davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (MO)

Dear Sir or Mam I would like to file a complaint against Better Mortgage. ( www.Better.com ) The process of refinancing with them was difficult and in the end was denied due to discrimination against my industry. I work as a XXXX for a XXXX XXXX and they are discriminating due to the COVID pandemic against this industry. The process was filled with agents that wouldnt respond or communicate in a timely manner. They used agents on the west coast to relay messages to east coast underwriters and lost days in the process. They would ask for items weeks later that I had already provided. Each day they would create additional documents needed to continue, delaying and piecemealing the process. I provided all information requested in a timely manner and in the end my refinance was denied. I have excellent credit history ( +800 ) and verified employment income that well exceeds the amount required to qualify for the loan. They created reasons and loopholes to avoid completing the transaction due to the industry Im in and the COVID pandemic. They created unrealistic, insulting, and borderline illegal request of my employer for verification. They added these request to the 1005/FNMA form item 20. I rate locked at a low point and rates have since increased. They credited me over {$2500.00} in lender credits during the process because of their failures and problems along the way. They verbally told me the reason for denial and I requested an official letter specially stating the reason. When it arrived it was for a completely different reason than I had been told verbally. The combination of them losing money on the refinance and the industry Im in is why they denied the loan. Horrible experience that is filled with problems and discrimination. This company should not be allowed to operate like this. Additional documentation is available upon request and contains large amounts of data.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (CA)

I received a notice of attempt to collect a debt, in the amount of {$16000.00}, original creditor Ford credit Us. I called Ford credit and they had no information. I called XXXX XXXX, XXXX XXXX, spoke with XXXX, XXXX not sure and he said all he has is account opened XXXX and last activity was 2002. This isn't showing on my credit report. He said he was contacting XXXX XXXX XXXX XXXX, for them to send additional information. Even if my last activity was in 2002 it's past the statute of limitations to collect. I have never had a credit card with a high balance, so I'm confused. If this is for a car then they need to furnish proof that I in fact signed for that. Please help me. I suspect something shady is going on.
Consumer complaint received 2021-03-07
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)

I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-23
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 have sent Experian 3 different letters asking them to verify and or remove inaccurate information from my report and they have failed to verify it and remove it. The other credit agencies did remove the inaccurate information from my report Regarding XXXX and XXXX XXXX and Experian after 2 attempts still refuses to verify the information and remove it from my credit file. Each time I dispute they do not send the requested information to verify the debt they just state it remains and has been updated. If the other 2 credit reporting agencies found errors and removed the items how is Experian able to still report these?
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (DE)

XXXX, DE XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX, TX XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, TX XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, DE XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX, DE XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing information that i did n't authorize.
Consumer complaint received 2021-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (IL)

On XX/XX/2020 [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Month after month I have written all three bureaus. Once in XXXX and twice in XXXX and I have not gotten one response. I have researched and researched on what is it that I am suppose to do when the bureaus are just blatantly ignoring all of my letters. Please help me. Im losing it right now. This is ridiculous. I am literally losing everything because of all of this stuff that is on my report. This stuff is not true and I want it removed immediately. I have attached all the letters that I have written to the bureaus. This is ridiculous and unfair. Please help me I dont know what else to do. I was told that the CFPB will get the bureaus to follow the law so I am writing you for this stuff thats going on. Please help me. I am also sending in another letter to each bureau on Monday. I have no clue what to do to get a response
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (FL)

Complaint US BANK SECTION 1 : US BANK claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put US BANK on notice. 

I gave US BANK an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXXXXXX XXXX XXXX XXXX XXXX aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. US BANK never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ).

SECTION 2 : US BANK has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. US BANK admit that I am the original creditor and source of the credit being utilized. 

XXXX. US BANK leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

XXXX. US BANK reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. US BANK pay for all fees and fines associated with this matter. 

XXXX. US BANK pays me {>= $1,000,000} in damages. 

XXXX. US BANK is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Consumer complaint received 2022-08-04
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)

EQUIFAX has been contacted 7 times within the past year about inaccurate personal information on my credit file and to date ( XXXX XX/XX/XXXX ) they have still not fixed this issue. Equifax was first contacted about my name being incorrect in XX/XX/XXXX, this inaccuracy was corrected directly over the phone. About 30 days later when I apply for a credit card XXXX names were then displayed on my credit file, XXXX of them I have never gone by, signed or even used as my name or alias. I've requested that EQUIFAX remove the other 2 names and they have refused each time even after I have supplied supporting documents ie., birth certificate, driver 's license and a copy of my passport which all have my full first, middle and last name displayed. I also attached a letter explaining that even though the documents I forwarded had all XXXX names displayed that I have never gone by those names and I only wanted my credit report to display my first and last name only. Equifax continues to ask me to resend the same XXXX documents and each time they receive them, they update my credit file to the opposite of what is currently displayed. If XXXX XXXX XXXX is what they see, they change it to XXXX XXXX XXXX and vice versa. They finally took my complaint seriously when I called today and they gave me a confirmation number # XXXX
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I took my car to XXXX XXXX on XXXX/XXXX/2016. I have a brand new car that I just had to have repaired by XXXX XXXX XXXX for an accident I was in. The entire passenger side was replaced, windows included. I observed the man who claimed to be the business owner, XXXX, cutting the tints while placing them on my exterior passenger side windows. He was also on the phone the ENTIRE TIME he was cutting and placing the tints, and not paying attention to what he was doing. After the work was completed, his coworker came in and asked me how I would be paying. They did n't even attempt to let me inspect their work before asking for payment. Then when I went out to look at my car, his coworker said to me, " OK but before you look, I have to tell you something about your car. '' And then I said " Tell me what? '' When I walked around the car and inspected the job I understood what he had to tell me. There were deep cuts in the exterior glass of my passenger side windows from him leaning on them and cutting the tint. He also did not measure the tint properly and there are gaps in between the tint and the top of the back windows. When I proceeded to express my concern with this, XXXX became belligerent and denied all accountability for the damage he caused, saying the scratches must have been caused by " SAND. '' Sand and dirt do n't cause deep scratches in glass, surface scratches maybe. Also, I had just had my entire passenger side replaced. He cursed, yelled and then proceed to, RIP THE TINT OFF MY DRIVER SIDE WINDOW WITH HIS BARE HANDS. Not only did he damage my car, but he then RIPPED THE WORK HE DID OFF OF IT WITH HIS BARE HANDS. I told him to get away from my car and called the police. When the police arrived the officer gave me XXXX options, either pay for the service, even though XXXX had ripped the tint off my vehicle, or go to jail. I was literally forced to pay for a service that was not completed on my car, and told the officer I was not going to pay for it, and if he forced me to do so under the treat of arrest that I would be notifying my bank immediately and filing a dispute. I called my back as soon as I left the tinting company and they said as soon as it posted to call back and I would have no issue disputing this unauthorized charge. The dispute representative who handled my case told me he could do nothing about it and did n't even want to attempt to dispute the transaction. He reluctantly did but it was after I had to literally argue with him on the phone about my rights as a consumer. No correspondence was sent to me thereafter other than the bank sending me a letter saying my dispute had been resolved and that the provisional credit they placed on my account would be removed on XXXX XXXX, 2016. I called my bank yesterday XXXX XXXX, 2016, and they said the dispute was closed and there was nothing the bank could do about it, and that I needed to continue pursuing it through the XXXX, and my FTC complaint because they would not go further with it.
Consumer complaint received 2021-03-07
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. (NY)

I have an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-06
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my grandchildren
Consumer complaint received 2021-03-07
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. (PA)

I would like to send a complaint about these three companies, EQUIFAX, XXXX and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!
Consumer complaint received 2022-08-04
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. (FL)

These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX card # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IN)

My mortgage servicer has ignored repeated requests for a mortgage loan payoff. These requests have come from the settlement agent, an attorney who handled a discharged bankruptcy and myself, the borrower. This process has been ongoing for 2 weeks and each time the servicer denies that they have been contacted by anyone.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (VA)

I have a Dillards XXXX XXXX card. I used it on XXXX/XXXX/2015 to purchase a XXXX of items at Dillards in XXXX. I happened to sign on to the credit card website today ( XXXX/XXXX/2015 ) and it has the balance due listed as owed by XXXX/XXXX/2015. I received no statement in the mail or by email, no notice that the due date was here. Further, the secure email feature on the website was XXXX, so I was unable to contact Dillards. This is the XXXX time in a year that the card has listed a payment as due without sending me a statement or notification. I know they have my email and address because they are constantly sending me marketing advertisements. 

Is n't this illegal? Are n't they supposed to let you know when the due date is on a payment? Last time, the payment was listed as overdue and again, I only found out because I signed on to see if there was a statement available.
Consumer complaint received 2021-03-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I have made a total of {$12000.00} in payments to M & T Bank in order to complete a loan modification. After making these series of payment my principal amount of mortgage went from {$300000.00} to XXXX with no accounting of the {$12000.00} worth of payments I made. I do not have confidence this was handle properly due to the COVID crisis and this being a VA loan. I am asking you for help to find out if this was handled properly. 

*Also, I do not believe my new escrow amount was calculated properly. I have two exemption benefits that total $ {$60000.00} homestead/Disability. I have been transferred to multiple different reps advising me they have calculated those exemption into my new escrow and several has said they do not see those exemption. I have notice most of these reps are working for home and are acting as such. They do not seem to be focused on their jobs cold transferring me to one rep to another having to rapidly ask the same questions over and over without getting finality
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I open my PayPal account was using it peacefully and had no issue until I was in XXXX XXXX, I add money to my account to buy my ticket back to XXXX when I release that I cant use my PayPal debit card even being that I just load money. That was the only cash I have, I have to get stranded in XXXX XXXX for two days going back and forth with them. They said there are account which are linked to my name and social and have negative balance which I have to resolve, I send them information like police report and XXXX XXXX report on my information being compromised but it been almost a month now, last week they sent me an email saying my account has been restored, view and when I when I check it was not and during that time I couldnt do anything to my account, and I saw a transaction being made for XXXX XXXX for XXXX $ which I haven no idea how that happen, as of now, my account is frozen with XXXX . I am writing for help.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio first contacted me in XX/XX/2021. I sent a letter to cease and desist communications until they validated the debt. They failed to do so and now the phone calls are back and was also threatened with harm.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (WI)

I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$1300.00} XX/XX/2018, {$260.00} XX/XX/2018 I DO NOT!