davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I write this letter in great despair and fear. My home was wrongfully foreclosed and sold in auction by Bank of America.   I have been working with  XXXX   (    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  Tel (   XXXX  )  XXXX  ) to have my home loan modified to a lower payment.   On  XXXX   XXXX   2017, I received a  call from someone claiming to the vice president of Bank of America. She notified me to let me know that my appeal had been rejected. However, I did want to accepted because based on what she told me herself, my request was not reviewed as requested. I did not take the news well at all.   However, at the end of the phone call I was told by her that I can apply again for a loan modification if my circumstances had changed.   Since my wife was now working full time I sent all the information they requested by  XXXX   XXXX  , 2017. I   contacted them on  XXXX   XXXX  and  XXXX   XXXX  , 2017 via ph one and email letting them I had sent all the documents they had requested and asked them to inform me ASAP if the needed anything else. No one replied nor returned my calls.   On  XXXX   XXXX  Bank of America contacted  XXXX  letting them know the sell date of  XXXX   XXXX  , 2017 w as cancelled and there was no pending sell date. In turn  XXXX  contacted with the same information. The sell date cancellation was also reflected on the website  XXXX .   To my surprised and HORROR, I was then contacted over the phone on  XXXX   XXXX     2017 inf orming me that my home had been sold in auction earlier that day.   I did everything Bank of America asked of me. I followed their guidelines and rules. In turn, they steal my home. They steal my dignity.   I am desperate, I am horrified. I need help.   PLEASE HELP ME.   I contacted  XXXX . They can no longer assist me because now my home belongs to a 3rd party.   I contacted Bank of America and all they did was direct me their lawyer  XXXX   XXXX   XXXX   (   XXXX   )   XXXX .   The new owner of my home is  XXXX    XXXX    XXXX ,  XXXX   Tel (   XXXX  )  XXXX  Please fight for me and my family.   Do n't allow Bank of America to lie and the steal my home Do n't allow Bank of America leave me and my family homeless.
Consumer complaint received 2017-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION (MN)

I had a auto loan through Navy Federal Credit Union starting in XXXX. The loan was for a higher interest rate than I would have like but at the time I needed a vehicle and it was the best offer the bank would provide. Long story short, I went through some hardships such as divorce and job loss and tried to re-finance the vehicle but never received a response from the bank or any assistance on plans to make lower loan payments. The vehicle was then repossessed and auctioned and the remaining balance was my responsibility according to the bank. So again I was put on a payment plan however the payments were too high to keep up with and fail to continue to make them. I had a direct deposit going to the account that Navy Federal never debited nor did they provide me a way to pay the loan using my online portal. Once I switched jobs again and setup direct deposit to my checking account Navy Federal just decides they are going to take 90 % of my deposited paycheck without any warnings or notification. During this time I ask to have some of the fund returned back to the account but was denied on XXXX/XXXX/XXXX @ XXXX cst and on XXXX/XXXX/XXXX XXXX cst by two different customer service reps who claimed to not have the authorization to return the funds. I also express I have a court order to pay those funds to Child Support enforcement and that typically those funds would not have been placed in the account since they are deducted straight from my paycheck. Again I was denied and instructed to call back on XX/XX/XXXX XXXX/XXXX/XXXX. Banks acting as collections agencies should not have the ability to, without warning and justifiably garnish your paycheck.
Consumer complaint received 2017-06-13
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)

On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with Equifax,  XXXX , and   XXXX   with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act S  ection 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
<P/>
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (CA)

The big XXXX Credit Agencies have no authorization from me to collect, store, and sell my financial information, nor evidence of written authorization of the same. This issue applies to me just as it applies to all people living within the United States. 

Credit information is no different from a personal work profile. The example is XXXX. But, at least LinkedIn participation is a matter of choice. There is a master agreement to participate with XXXX XXXX. But, there is no such agreement with Experian, XXXX, or XXXX. Credit reporting is a forced participation, and its existence and easy access allows for identity theft related crimes to occur. Worse, as an unwilling participant, I am forced to pay a fee to have that information locked.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Hello I bought and sent XXXX USDC using the Coinbase app and they marked the withdrawal as complete although the withdrawal was never completed and I never recieved the money and Coinbase refused to help and kept closing my support tickets. I also contacted the reciever, XXXX XXXX, who also refused to help and claimed to never obtain my funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-30
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Associated Credit Services, Inc. (OH)

You can go ahead and investigate this company. I have been trying to resolve a bill with XXXX XXXX and have spoken to them today on XXXX/XXXX/2016 in regards to my account and they said one thing they never do is put anything on folks credit report if they agree upon or trying to pay off debt.The only reason i had a big bill is because a consumer used my name fraud without my permission saying it will save me money on my bill. We are currently in court resolving this issue. See documents attached. This company has called me NUMEROUS times and i advised them of my situation. As they seem to be understanding however no one has took action nor updated the systems any time i called or a rep called. Then i called again today and told them i will not pay them anything until they take my name off the credit report and they told me they would sue me. I find that really funny because that is against the law not only that only i am able to sue you guys for the many phone calls i received and the lies and miscommunication. i have my notes of every single phone call and rep i spoke with and will show all this in court. I will be reporting them to every single media outlet i know. It is n't right. I want to pay my debt and have no problem doing so but if i am TRYING to do something DO NOT LIE and go behind my back and do something WE agreed upon. Regardless of what i want this off my credit report as i am making payments period point blank.
Consumer complaint received 2021-09-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My name is XXXX XXXX Contact : XXXX Phone : ( XXXX ) XXXX I have been working with Citizens Bank on a Mortgage loan ( FHA case # XXXX XXXX ) Lender loan No. XXXX Mortgage XXXX The closing date was originally XX/XX/XXXX to XX/XX/XXXX However, per Citizens Bank Request , the date was moved to XX/XX/XXXX. 
Citizens Bank stated needs more time to process since they found that a new FHA/Covid regulation disqualified me to obtain a mortgage. I was advised to pay my car loan in full. I used around {$7000.00} from my savings account to eliminate this barrier. 
On XXXX was informed I was unable to do the closing. Citizens requested all of my documents to be re-submitted. Besides requesting all documents citizens stated that they were waiting on a document from the Department of Education since they were not sure of my student loan status. Loan student status was clear. Clsong date was changed to XX/XX/XXXX. 
On XXXX-Citizens stated they realized the appraisal for my home was not under my name. Therefore, they had to work on it and date was changed to XX/XX/XXXX. 
On XX/XX/XXXX they stated I did not had enough funds for closing. An offer to waive the right of a home tilltle and to increase my percentage. I declined since I did had the funds and provided proper documentation. However, I have not received any response but from my attorney stating the day went by and Citizens did not send the closing package. 
I believe all of the last-minute inconveniences were 100 % preventable since Citizens was provided with all of the documents with time in advance. I resubmitted all of the required documents within minutes of their requests. However, the closing has not happened and today I am homeless with my family since my lease with my current landlord expired. I had taken unnecessary vacation days from my employment and the situation affected third parties not to mention the financial and emotional distress this caused to my family. Through this process, I have been sending emails to XXXX XXXX ( XXXXXXXX XXXX Supervisor ) who has been ignoring my emails. I also contacted Customer Service who were not able to provide me with anyone who can help this time solve my situation before the seller pulls out and I lose my deposit. I believe the madness of the transaction is unusual and hope Citizens Bank can solve this situation. Hopefully, someone reach out and provide me with a satisfying explanation. Thanks.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (DE)

I had a two year service agreement with XXXX for cable, internet and phone which ended XX/XX/XXXX. After disputing my final bill for {$130.00} with XXXX, my bill was sent to collection XX/XX/XXXX. It has been sold to various collection agencies through the years and is now with SW Credit Systems. SW has been re-aging the account every six months and currently shows on my credit report as of XX/XX/XXXX, which per the FCRA is an illegal practice.
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (PA)

Received a phone call on XX/XX/XXXX by NCC Business Services XXXX XXXX XXXX XXXX XXXX, XXXX Florida. about a {$2000.00} debt and asked to send me a written copy of the debt original signed aggreement and the balance from zero to present. As of XX/XX/XXXX never received anything so they are in violation of the fair debt Act, They also sent notice to the credit agencies. I also sent them proof of credit card payment!
Consumer complaint received 2021-06-09
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)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2017-08-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (CA)

Every month the creditor reports a {$1.00} increase to the balance owed - this amount is not monthly interest, I have not agreed to a payment plan so it 's not late fees, there has been no agreement of any kind that would warrant a monthly increase of {$1.00} to the balance owed.
Consumer complaint received 2017-08-25
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. (MN)

This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, XXXX and Equifax credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-XXXX,XX/XX/XXXX, XXXX XXXX-XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper 's Mortgage NATIONAL PANDEMIC EMERGENCY FORBEARANCE. A verbal agreement over the phone, on the heels of XX/XX/XXXX. No paperwork requested or required. I was told to just start making my regular payments at the end of the time. In fact not one letter was sent in four ( 4 ) months. at the end of the Forbearance it would go to the end of my loan as a deferment. I a sured them that was the only way I could take the NATIONAL PANDEMIC EMERGENCY FORBEARANCE as I am a first time buyer recipient. I called in XXXX to tell them I wanted off the forbearance but was talked out of it as it would be best to stay the course. so they said, so I did. But then after I called I got a letter in the mail like a summery. I called back as soon as I receiving it and was told not to worry about it it was just a thing they had to do.That everything was as we agreed. Fine it's a crazy PANDEMIC. 
At the end of our the agreement I was simply to resume payments. I did. But then they started calling two ( 2 ) and Three ( 3 ) times a day. wanting me to go back on the NATIONAL PANDEMIC FORBEARANCE PLAN. One woman said she just needed to do same paperwork first. I had believed MR. COOPER MORTGAGE so I let her put me back on the plan however it was only to take me off after she could to her paperwork. Then she said it work take a few days. I asked her to call me right call. the next week she called to tell be I did not qualify for my deferment and that I would have to " apply '' for a one of their options. I verbally withdrew from the forbearance plan on the spot. She said I was unable to without filling out one of their options. While still just days into a renew program I raced to the post off to put this one in writing. ( see attached cert. letter ). I continued to make my monthly payment. They did try block it. 
After they received my letter I begin getting letters, phone calls and now emails. the e-mail attached makes a 24 hour demand prompting this complaint. I quickly replied to the sender as I do not have a on-line profile with Mr.Cooper Mortgage. Then raced back down to the post office and mailed the same response. In the statement dated XX/XX/XXXX in " past payment breakdown '' they acknowledge the XXXX payment. It was never my intention to hurt Mr. Cooper Mortgage with a complaint, however I feel they have given me no other option. 
Attached : Two payments from XXXX XXXX to Mr. Cooper Two Certified letters E-mails Bills and correspondences
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (MS)

Checked my credit report to find that I have a negative claim  from Swiss Colony ( A ccount #  XXXX  ). It states that the date opened was  XXXX   XXXX ,  XXXX , was then closed, charged off and the status updated  XXXX   XXXX ,  XXXX  and the balance is {$640.00}. Last updated  XXXX   XXXX ,  XXXX . I have never ordered fro m Swiss Colony be fore so I called the company at  XXXX   (   XXXX   )   XXXX . The representative told me that I ordered throughout the last few years and that my  s ocial security number was used. The representative then said she would flag it as fraudulent and send me paperwork to file. She never offered to cancel the charges just to say that she ca n't promise the collection agency wo n't still be trying to contact me.     I called bac  k 30 minutes later to see if they could give me the address these items were being sent to but they would not release any information to me. I 'm not sure what the next steps should be as the company will not give me any information and this is negatively effecting my credit score.
Thank you in advance for your help.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will
Consumer complaint received 2018-02-01
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: PRESTIGE FINANCIAL SERVICES INC (MD)

On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.
Consumer complaint received 2017-06-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In correspondence dated  XXXX   XXXX ,    2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX  XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. XXXX  while these things are technically true, it was via fraud on the company 's part.
Consumer complaint received 2017-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In correspondence dated  XXXX   XXXX ,  2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2017-08-25
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: EQUIFAX, INC. (GA)

As stated in previous messages, I am requesting physical validation from your source that this bankruptcy debt is mine. I do not care for a written statement without proof, this is the second time I have stated this and if you do not provide physical proof you 're in violation of my right and I will be force to seek legal action at this point. 
I am requesting that ALL accounts that is attached to such bankruptcy be deleted and an update credit report mailed.