davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DC)

I have been working with XXXX to save my home. My lender ( Wells Fargo ), after I submitted paperwork from XXXX in XXXX, including, hardship letters, bank statements and tax returns told me, via phone call, I did not qualify for a loan modification because I was " over 37 months delinquent '' and made no indication of reviewing the documents submitted by XXXX. 

When I spoke with the Wells Fargo representative, on XX/XX/2018, I was told that I was 1 ) Considered as delinquent since I was not paying the full monthly mortgage figure ; and 2 ) Had extra late fees now attached to my mortgage ; and 3 ) was in a category identified. The only option I had was to pay the full amount owed {$110.00}, XXXX by XX/XX/2018 or conduct a Short sale on the property. 

As of today, I have not received a denial letter from Wells Fargo underwriters with notes for the denial regarding the rejection for loan modification. All I want to do is pay the amount I owe, less the add-on penalties and late fees, and restructure the loan. I have attempted to sell the condo two times in the past five years, but have been unsuccessful, due to condominium management negligence. I am in imminent danger of foreclosure. Filling this complaint is my last resort. 

I have a court date scheduled for Friday, XX/XX/2018 for a foreclosure hearing.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AR)

I received a letter from Enhanced recovery services on XX/XX/22. 
A while back I mailed in a cease and desist they removed the debt from my consumer report. 
Fast forward back to XX/XX/22 I received a letter from ERC which they have a XXXX Enhanced Recovery company. 
So, I done my research on this fraudulent corporation and come to find out ENHANCED RECOVERY COMPANY can not collect a debt in Arkansas due to not being licensed for this state. 
This corporation is also in violation due to me not ever doing any business with this entity. 
This is a thirty-party attempting to collect a debt for their own personal reasons. I am currently going through arbitration with XXXX and the alleged debt is not mine. 
This corporation has violated my privacy. 
This corporation has ruined my reputation by reporting such information on my Consumer report. I've been denied left and right for my own credit due to this corporation. 
This is also identity theft due to not having my person to obtain my information and or contact me for this alleged debt.
Consumer complaint received 2021-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Equifax continues to report a discharged chapter XXXX bankruptcy on my credit report that has expired its 10 years of reporting. Also, their investigation ( s ) have taken over 60 days on multiple complaints through the CFPB and directly with Equifax.
Consumer complaint received 2021-06-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of XXXX, XXXX, {$700.00}, XXXX. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$8000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 












-COLLECTION ACCOUNT- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$1400.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Consumer complaint received 2021-02-04
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (TN)

I would like the creditor to comply, the alledged debt is outdate information reporting and has met the 7 year mark. please send me proof with all necessary information on the price and terms of credit. the account should not be reporting but dropped off. I can see the account still reporting on XXXX XXXX
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MO)

XXXX XXXX, I paid off my mortgage loan, IN FULL, per the payoff statement provided to me by Wells Fargo Home Mortgage. Payoff statement dated XX/XX/2021, with a payoff amount of {$4000.00}. I requested an update to my credit reports to reflect the paid off mortgage loan. They updated my credit report to show a current balance of {$30000.00} and the account as closed. This must be corrected immediately as that false reporting has dropped my credit score by 22 points.
Consumer complaint received 2021-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

On XX/XX/XXXX, I submitted an e-mail to Navient through its website, after submitting yet another deferment request for the period starting XX/XX/2020, after receiving a response that denied the first deferment request and that stated that they never received documentation of receiving unemployment benefits for that same time period. I DID, in fact, submit proof of unemployment. I also noted that I was told in my first CFPB complaint that I could be refunded my payments for that period after submitting a deferment request. ( In my first complaint, I noted that Navient denied receiving a deferment request for that time period, when I, in fact, DID submit the deferment request for that time period. ) After submitting the financial hardship deferment, I submitted proof of unemployment benefits immediately after ( again ). 

Navient is once again denying deferment for that time period, and that ( once again ) they deny receiving documentation of receiving unemployment benefits. 

Isn't a servicer of federal student loans held to a higher standard than this? 

Please see attachments. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CO)

Last year my wife received XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. We paid our insurance co-pay and the bills that showed up afterwards. A couple of months ago my wife noticed a negative filing on her credit report from a " IC Systems '' and when we call the phone number it tell us the switchboard is down. Just in XX/XX/2020, they open 7 new negative accounts over 1 bill. They have called her office over a hundred times this year. They spoofed our office number on these occasions ( just in XX/XX/XXXX ). 

XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX When the calls are answered there is never anyone on the line. This ties up office resources. In the past 90 days they have made the below calls and it is always a dead phone line. 

XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX  IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX PM IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX  IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Now my wife 's credit is destroyed and there is no way to contact these people. We have never received a statement from these people or a call on our personal phones. Why are they allowed to ruin people 's lives, especially during the COVID-19 epidemic??
Consumer complaint received 2021-02-04
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. (MI)

I have made several disputes to XXXX, Equifax, and XXXX  about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one account.
Consumer complaint received 2021-02-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$750.00} -This is not my account.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.
Consumer complaint received 2021-06-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

XXXX XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-02-04
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: EQUIFAX, INC. (TN)

I am writing this with the ( Equifax, XXXX, XXXX ) They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright upholding the law
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I closed my checking account sometime in XX/XX/XXXX. There was a remaining balance of some $ XXXX in the account. When I called to close the account I was assured this amount would be mailed to me by check. I asked the representative to please confirm the mailing address that the check would be sent to, as the mailing address ( PO Box ) is different from the physical address on my account. No check. 

I called Citi again in XX/XX/XXXX, and was told the check was returned to them as undeliverable. Citi mailed the check to my physical address ( which doesn't accept mail ). I explained that I told the first agent this exact thing the first time and was assured it would be sent to the correct place. This new agent told me that the mailing address on my account was my physical address. I explained this was wrong ( and an error on their side ), because my debit card and PIN when I opened the account were correctly delivered to my mailing address, and I double-checked with the first agent anyway! This agent relented, and again assured me it would be sent out to my mailing address. No check. 

I called Citi again in XX/XX/XXXX, and was again assured by the agent that he would take personal responsibility that it was resolved and sent to my mailing address. No check. 

All of this information is in their call logs and notes on my account, and each agent could see the issue and that I had called before and the check wasn't delivered. 

It is now XXXX XXXX, and I'm done. I want my $ XXXX. I want them to mail it to my mailing address, or hand deliver it, I don't care. Please help! Thank you!
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I had an incident regarding a bank robbery at a Chase Bank ATM about 2 months ago ; A man outside the bank followed me inside and demanded I cash his fake check and give him the amount on it. I was fearful for my life and did whatever was asked of me as this was late out and I was alone. I spoke to the police and gave the police report to Chase Bank after they asked for it but they still rejected the claim.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

i had an identity theft and i keep getting all kinds of collection agencies trying to collect for items like this sprint cell phone account, i have no idea where this came from, i asked them several times to send me any information according to this account with the contract and signature dates and information. they never sent it, and i keep getting calls, after asking them several times to please contact me through the mail. they have been calling my job as well with constant harrassments.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I have contacted this company several times about freezing my credit report and not sharing any information about me to anyone. I have submitted my Security Freeze request well over 45 days ago and submitted a new request and the company has still failed to place a security freeze on my credit report. I have attached proof of my identity below.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (TX)

On XX/XX/2020, I reviewed my Uniform Residential Loan Application over the phone with my loan officer, XXXX XXXX. During this phone conversation, we had a conversation that explicitly and unequivocally confirmed my occupation as a XXXX XXXX, which XXXX made sure was accurately written on two different places on my application ( bottom of page one, and top of page two ). I proceeded to review the final draft of the application and then sign it, indicating I agreed with all of the information on it and that there were no errors. 

KeyBank ( XXXX XXXX ) then offered me rate of 2.625 % / APR 2.733 %, which I locked on XX/XX/XXXX. They issued me a loan estimate to reflect the lock-in. Four days after the lock-in, on XX/XX/XXXX, my loan officer XXXX XXXX called me to say he was very sorry, but he would have to increase the rate they were offering me, despite the fact that I had signed a lock-in. 

XXXX XXXX XXXX reasoning was that the rate he offered me was based on him mistakenly looking at rates offered to a DIFFERENT professional occupation from my own. This is despite the fact that my signed, finalized copy of the Uniform Residential Loan Application explicitly and unequivocally states my occupation, and does not anywhere state that I work in the DIFFERENT professional occupation he mistakenly believed I was in. 

Again, this is the finalized copy of the Uniform Residential Loan Application which he and I went over line by line together, and which I signed and confirmed to be accurate before I was offered the rate I locked in. I believe KeyBank and XXXX XXXX are breaking the TILA and therefore the law.
Consumer complaint received 2021-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (MI)

On XX/XX/2021 I contacted TransUnion about removing an erroneous inquiry, from my credit reporting. I informed TransUnion that I attempted to resolve the issue with the reporting creditor to no avail and was now XXXX XXXX XXXX ) attempting to file a dispute with them. They gave me the number to the FTC and told me to call. They said I needed to request a letter from the FTC, upon which one would be sent, in support of removal of the inquiry. I would need to send that letter that I would receive from the FTC, plus written correspondence to XXXX  PO Box to have the inquiry removed. I have been unsuccessful finding out or receiving answers to the inquirys removal and XXXX  has misled me with bad information in regard to getting it resolved.
Consumer complaint received 2021-02-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CA)

I have been on forbearance ( due to the death of the co-owner of our home and then XXXX. After paying my mortgage without my brother I paid my mortgage for almost a year on time and sometimes in advance. In pre-planning for the future missing that VA income from my brother. I applied for a loan modification, and even forbearance, with absolutely no reason, was denied so many times until I received the assistance from CFPB. I am ready to get back to business with lower payments and I am still having trouble with this lender as follows : Applied for loan reconstruction, denied for lack of documentation in a timely manner and did not even know it, upon another follow-up call found that out prior to that nothing in writing. Then after the fact, I received letter of denial. In the interim, every single time additional documents were requested I sent immediately, I know the drill on time is of the essence and I have a paper trail of every documentation that I sent. 

I then moved forward and resubmitted the entire package again with 51 attachments. Today XXXX XX/XX/2021 XXXX, the date of this complaint, I called, to follow-up and found out, they need more documentation, that I again had sent, now 4 times. Its not my credit because the only thing that is effecting my credit is the lender. 

What now? 

Thank you. 

XXXX XXXX