davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

URGENT - Hi. I just received a call from Wells, Fargo Home Mortgage yesterday. They told me that they are not going to review us for a loan modification since our mortgage is over {$700000.00} ( they have known the mortgage was {$900000.00} since day one ). They said they are going through with the sheriff sale on XXXX/XXXX/15. This is only 20 days away - we have a farm with horses, cats, etc.!!! This is not fair. They told us they would review our file and get back to us. We have not been treated fairly. 
This is lender abuse. I am XXXX - please investigate. I had sent you a package with all the information back in XXXX. 
On XXXX XXXX, 2015, XXXX XXXX sent us a letter letting us know what she wanted ( the documentation ) needed for a loan modification. She said to send it by XXXX/XXXX/15. 
We submitted all documents in a timely manner on XXXX/XXXX/15. On XXXX/XXXX/15 we received a letter from XXXX XXXX stating that they are reviewing the documentation we sent to them. On XXXX/XXXX/15, we received a letter from XXXX saying that the required information was not yet received (? ), even though they got it and said this in her XXXX/XXXX/15 letter. In addition, the letter on the XXXX did not state what information was still needed. 
On XXXX/XXXX/15 we received another letter from XXXX telling us the sheriff sale would be postponed until XXXX/XXXX/15. We received another letter on XXXX/XXXX/15 stating that XXXX was still reviewing the information ( XXXX ext. XXXX ). 
Then we received XXXX phone calls and letters stating they were reviewing everything. 
Yesterday, out of the blue, we received a phone call from someone else stating they would not do anything because our mortgage was over {$700000.00} and we are going to sheriff sale in 20 days!!!! How can they do this? Our loan has been {$900000.00} from day one!!!! Please help. This is unfair banking practice!!!!
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, XXXX, Transunion, and XXXX to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

XXXX partys Coinbase Coinbase wallet telegraph gram and antenjoyvip. I had XXXX usdt in my Coinbase wallet I ask Coinbase for a loan they have my a link and said use it on telegram ask for loan. So ask for loan they said XXXX times what I put in leverage brokerage liquidity loan. So they took my money and then XXXX minutes later they say I have to have XXXX XXXX XXXX to get my money back off top. This is thru XXXX XXXX is link to Coinbase and Coinbase wallet. After XXXX years at XXXX I got let go so taking my last XXXX to my name and just no telecommunications or nothing I feel played. I will love to receive my money back. They making money off my money right now
Consumer complaint received 2023-04-03
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-20
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZuntaFi Corp (CO)

I refinanced my student loan debt through another company. That company sent a payoff for the loan amount on the statement that I received from Zuntafi. I had a balance due for a collection fee still on the account. What Zuntafi did was take my collection fees and transfer it to my principle amount to be paid and is charging interest on it. Since this is a collection fee charge, I was not financed or forwarded any money that they can charge interest on. All monies that were paid on my behalf when Zuntafi took over my loan was for the amount of my original debt. Then as part of their business, they added on collection fees. They had been charging interest on my loan debt and the collection fees remained constant for the duration of time that I had been paying on the loan. Now the loan is gone, and they have switched my collection fee to a financed principle balance and are still charging me for the collection fees.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AR)

Someone had logged into my credit karma spend account changed my phone number, ordered a new debit card on XXXX XXXX multiple transactions were made on my account. Also when tax advance was deposited in my account on XXXX XXXX XXXX thats when credit karma locked my account. They stated they dont know what caused my account to lock and that my account is being handled by a specialized team. That the specialized team cant be reached on the phone they only can be reached via email and be on the lookout for an email from them I havent received any information about my money.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

Amount XXXX Date XX/XX/year> 2024
Consumer complaint received 2023-04-03
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)

Seriously, this is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I need the following items to be corrected or deleted ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian When all bills are paid on time my score never increase twenty points and when late they decrease twenty points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX  ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. XXXX and TransUnion are illegally reporting this State Tax Lien, after 3 dispute attempts.
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (AZ)

I paid UCB ( United Collection Bureau ) in full in XXXX of 2015 for a debt owed on state of AZ taxes. In XXXX 2015, the IRS took part of my refund and paid the state of AZ. AZ has attempted to work with me to get UCB to refund the payment made to them as I now have paid twice. For 3 months, they have put me off and told me it is being researched, or that the case is closed, or that they do n't know what the state wants. I even called them with the state on the line, and they told us someone would look into it and call us back : no call back ever received. I have made multiple calls and get the same answers every time. Recently they have become rude, and put me on hold, never coming back to the line. I just want them to send back my {$250.00} please.
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Turning Point Solutions LLC (UT)

I have received repeated LOUD automated messages from XXXX for a person I do not know ( XXXX XXXX ). I have had my cell # for over XXXX years. My name is not XXXX XXXX! I contacted the rude male from the XXXX # about their mistake and he hung up on me. I tried to call the number in the message too ( XXXX ) but I get an error saying invalid # or code. How can I get them to stop harassing me? I do n't owe any outstanding debts. They have the wrong number!
Consumer complaint received 2022-07-20
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. (MS)

In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX, Dept of EdXXXX account # XXXX, Dept of Ed/XXXX  account # XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Ed/XXXX  account # XXXX XXXX violated my rights 15 U.S.C. 1681 Section 602 A states I have a 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 written instructions.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

In case # XXXX, SPS cites a clause in the original note that supposedly gives permission to pay off a superior lien, but the clause also states that the first lien must be in default, which my first mortgage was not. I was in no danger of foreclosure by XXXX XXXX. 
Therefore, the " protective advance '' was a cash out refinance, entitling me to a three day right of recision. Also, I was never given any documents itemizing ANY disbursement of funds, which is also a RESPA violation entitling me to an extended right of recision.
Consumer complaint received 2022-07-20
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. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX # XXXX, Account # XXXX,, Account # XXXX  XXXX XXXX, Account # XXXX XXXXXXXX # XXXX, Account # XXXX XXXX XXXX inaccurate, not verified, Account # XXXX XXXX XXXX  # XXXX, Account # XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one is refusing to remove a duplicate charge which has an identical amount from the same merchant. 
The merchant is XXXX and the amount is {$68.00}. See attached screenshot of account for further details. I 've spoken to them about this and they are unwilling to remove it.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of Walla Walla (WA)

Collection Bureau Of Walla Walla was hired by XXXX XXXX Court to recover unpaid fines. My case was accidentally sent to cbww. I made XXXX {$25.00} payments before getting the fine got recalled by the courts. Cbww has only reported XXXX of XXXX payments to XXXX XXXX courts. I was being harnessed, called a dead beat by this group of unprofessional bullies. I 've contacted the owner ( who has been less than apologetic when I proved that I had been correct about telling the collection agency that they were fired by XXXX courts
Consumer complaint received 2023-03-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

I took out a loan for {$1100.00} in XX/XX/XXXX. The first payment of {$530.00} was deducted on XX/XX/XXXX. I have since paid {$370000.00} in CAB fees. This is egregious, and although I thought I understood the repayment process, I am still paying this loan. They said I must make six months of CAB payments before I can pay off the {$1100.00} loan. I feel that this is predatory, and they should be required to apply some of the CAB fees to the loan principal without me having to call back three days after I pay the CAB fees to make an additional payment to pay down the principal. 

I signed the contract but was not fully aware of the CAB fee process. It was explained to me, but I still think it is predatory in that they have collected triple the original loan amount. I have sent a cease and desist letter via email requesting that they discontinue debiting my account, and I am requesting arbitration to settle the debt.
Consumer complaint received 2022-07-20
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. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX  # XXXX, Account # XXXX,, Account # XXXX  XXXX XXXX, Account # XXXX XXXX # XXXX, Account # XXXX XXXX XXXX inaccurate, not verified, Account # XXXX XXXX XXXX  # XXXX, Account # XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I wrote this email to Representative XXXX XXXX on XX/XX/2023 that explains the situation. I thought the issue was resolved in XXXX, but after counting two payments its back to the way it was. MOHELA seems to be willfully not counting my payments. Please see below : Hello Rep. XXXX, I am writing you today at my wits end. I am enrolled in the Public Service Loan forgiveness program through the Department of Education that has unfortunately made MOHELA my loan servicer. This has been far and away the most challenging and frustrating experience I have ever had with any financial payment system. The program is such that your student loans forgiven after 120 qualified payments at a 501c3 or government agency. Initially they were counting XXXX of XXXX eligible payments. Then XXXX  Then XXXX. Now it is XXXX.

I have called them for over 8 months ( well before the busy season happened and payments were due ) and they have not been able to figure out my issues. I call, message, call again, they write notes, I take names of people, I submit and resubmit paperwork. Each new time they make me resubmit it takes months for them to process it and I receive 0 correspondence, they confirm my address every time. The Department of Education Ombudsman closed my case and never responded to it initially without giving a reason why. 

MOHELA is in no position to handle this federal contract. The Department of Education is in no position to handle the continued XXXX XXXX on the part of MOHELA. Please help.
Consumer complaint received 2017-08-13
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: Experian Information Solutions Inc. (VA)

I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-13
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. (VA)

I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and Equifax all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX