davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

I acquired a FHA loan in XX/XX/XXXX for which The Money Source, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CT acquired the loan and began servicing it. No issue with payments until XX/XX/XXXX for which one of my online payments was returned NSF for which I immediately resent until determining issue. This occurred again on XX/XX/XXXX for which payment was resubmitted on XX/XX/XXXX.  Issues with payment were due to scheduled payments and direct deposit payroll occurred on same day and bank returned my payments. I was restricted by the The Money Source for six months from making online payments for which I contacted them and was given a bank account in Texas to wire my payments. This was done monthly from XX/XX/XXXX until XX/XX/XXXX. On average it has taken TMS around 20 days to locate my payments. In the course of the period, I was called daily numerous times about payment delinquent at which times I emailed copies of ACH/wire transfer confirmations from my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX and was finally located and posted to my account on XX/XX/XXXX. I was called 117 times from TMS from XX/XX/XXXX until XX/XX/XXXX when the payment was finally found. Not only did they call me from XXXX, my caller id displayed call from County Jail (  XXXX ), The Money Store ( XXXX ) and 5 different local numbers from my area code that they were spoofing to get me to answer. I answered one of the calls and the agent told me that is was often then spoofed numbers so that consumers would answer phone. Not only were there excessive phone calls they would call numerous times in a row. Example on XX/XX/XXXX they called 7 times in a row at XXXX. I was at work but at XXXX I returned the call. Once again on XX/XX/XXXX I received 6 calls in a row at XXXX and 16 calls in a row at XXXX. On XX/XX/XXXX received 13 calls in a row at XXXX. On XX/XX/XXXX at XXXX TMS called 10 times in a tow. I returned the call at XXXX. Finally payment was located on XX/XX/XXXX and applied to my account. The entire time I was communicating with TMS and provided the same proof payment. During this period of time I was accused of not making payment, stating that funds were still in my personal account and recieved certified letter that I was 30 days delinquent and that by the end of XX/XX/XXXX my home would be reappraised and inspected. I am in awe that FHA loan servicing provider can use such antics. I feel as if there collection efforts were inexcessive and unnessary.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Credit Card refuses to dispute charges From XX/XX/2021. One in the amount of XXXX with XXXX and an additional amount of XXXX placed by XXXX. The merchants agreed to approve the dispute but creditor did nothing.
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (TX)

I am a XXXX yr old successful independent businessman who has a major issue with Chase bank who refuses to grant me a simple revolving credit card even though i have been a customer for a decade with no issues. It is impossible to express my frustration even though i have disputed a item which was not mine, and have clearly maintained active and accounts in good standing i can not get a simple card to begin to build credit. i do not intent to abuse it. nor over use it. just to be like most people and get a chance.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (NC)

XXXX XXXX {$660.00} PRO Collect left a 38 second message stating this is an attempt to collect a debt by a debt collector providing private information on a cell phone that is contracted under my stepfathers name. Also, they left a 1:03   message for my husband on XX/XX/18 on my cell phone - again, contacted under my stepfathers name with a message regarding an account and debt owed to pro collect. I also have a ( XXXX ) area code which, by law, is recognized as a spousal state.
Consumer complaint received 2017-12-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (WA)

Nelnet changed the monthly repayment amount on the standard repayment schedule for my federal student loans without notifying me of the change. The amount increased from {$330.00} to {$530.00} and first occurred when Nelnet auto-debited my account on XXXX XXXX, XXXX. Aside from the monthly payment reminder that I received via email on XXXX XXXX, I received no other notification that my standard amount had changed. I called on XXXX XXXX asking for clarification and was told that they had sent an email and a letter to me in XXXX. Having experienced other communication issues with Nelnet in the past, I keep organized records of all correspondence I receive from them and have no emails or letters matching what they described. They responded that the letter had been sent and that I must have lost it.
Consumer complaint received 2017-12-02
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. (GA)

I havent been able to access my credit report, and once I called Equifax to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 2018-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (FL)

This is not my debt because it was to be submitted to my insurance properly. They are not submitting properly. I gave them both my insurance information and they did not submit it to my secondary insurance. I called and gave it to the hospital and they never saved it. I called to ask them why they sent it to collections and they said they didn't have my secondary insurance on file, even though I had already given them all the information. I was wrongfully sent to collections. I talked to the debt collector telling them I do not owe this debt and it was wrongfully sent to them. They took my insurance information and said they would rebill it. I contacted my insurance and they are not getting the bills sent to them and they are just putting me in collections instead of properly submitting the bills. I do not owe this. It is not being handled and I do not owe this debt and due to improper handling of this account I was wrongfully placed into collections because I was told it was ok and the hospital would send it correctly to my secondary but didn't and just sent it to collections instead. This is not accurate billing practices.
Consumer complaint received 2020-05-06
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-21
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. EQUIFAXXXXX XXXX {$180.00} XXXX XXXX XXXX {$490.00} EQUIFAX XXXX {$230.00} XXXX XXXX {$97.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX {$600.00} XXXX   XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX {$19000.00} XXXX XXXX {$5400.00} XXXX   XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX XXXX
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo regularly failed in the servicing of my mortgage. At various times, they alleged default and included foreclosure costs which were estimated and not actually incurred in violation of my mortgage contract and federal and state laws. As a result of the foreclosure costs, they required me to paid in full as a condition of restating the loan. Their own documents indicate requesting thousands of dollars of " Unbilled Attorney fees '' and their request for " Pending '' amounts violates the Fair Debt Collections Practices Act. Their reconciliations show they collected thousands of dollars not due to them and their reinstatement figures were materially overstated. During this period of alleged default and not actual fees having been assessed, Wells Fargo furnished negative information to the credit reporting agencies which continues to be furnished through today. These furnishings have prevented me from refinancing my financial obligations as well as indicating to other lenders that I was a credit risk. During the alleged default, they continued to prepare court filings that indicated they were due amounts that had not been incurred. Their law firm was relentless in the pursuit to obtain a court order of default in order to sell my home at sheriff sale. Even after they collected the money, they retained additional law firms alleging the total mortgage amount due. The underlying conditions they created resulted in health problems and the inability to earn a living having to defend their baseless claims.
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (TX)

I did not authorize anyone employed by XXXX XXXX  ANY OTHER COMPANY, and including EQUIFAX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Consumer complaint received 2017-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Hello : ditech.com is my mortgage company. They placed an automatic forbearance on my account and removed my auto payment after Hurricane Irma. I called about a week after the storm to ask that they remove the forbearance and return the auto payment. This was confirm by the agent and recorded by them. I received a letter just a few weeks ago stating that my auto payment was never returned and the agent who I spoke with after I received the letter actually read back the notes confirming that I called and asked to have forbearance removed and auto payment reinstated. So I asked again the agent to remove the forbearance and install auto payment. 

I called this past week to check if this was done yet, and the agent at that time said I still have a forbearance and no auto payment. 

As I right this complaint, I spoke with an agent today that informs me that I dont have auto payment and forbearance is still active. She placed me on hold, which has lasted an hour. 

Ditech is not responsive, and it is purposely choosing to keep my in forbearance when I have asked countless times to remove me. I also have asked countless times to reinstate auto payment and yet they choose not to listen. 

Please help XXXX XXXX, XXXX
Consumer complaint received 2018-03-23
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. (IL)

XXXX XXXX has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX maiden name XXXX.
Consumer complaint received 2020-05-06
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. (FL)

I HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2017-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

I am a Wells Fargo customer and when I signed in to my account a few weeks ago to print out my direct deposit information for my new job it gave me someone else 's routing number and account number. I only noticed yesterday ( XXXX ) because I had n't received my check. I signed back in and printed the same form again, this time the same form had my account information. I went by a Wells Fargo branch earlier today ( XXXX ) and spoke with a banker, I brought both forms, mine and the wrong one. He pulled up the account that was n't mine and confirmed that my check had been deposited into a business account in California, belonging a man I have never heard of. He kept the form containing the other person 's information. I have no idea how I was given someone else 's information through my own account, and now they have my money that I worked for. I want to know how this could have happened and how I am supposed to trust this business with my money when they are so cavalier with their customers account information. I lost my first check at my new job because Wells Fargo made a serious security mistake.
Consumer complaint received 2017-12-01
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: ALLY FINANCIAL INC. (FL)

Ally Financial accessed my XXXX credit report without my consent : Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

We purchased a home in XXXX XXXX NY in 2006. When we purchased the home the old owners new/ refinance mortgage was 6 months old after moving from XXXX XXXX ( who is now out of business ) to Chase. We are now in the process of trying to sell the home and close. The new title search company is showing that the house still has an outstanding mortgage because XXXX funding apparently failed to file discharge papers with the county clerk. Our lawyer who is doing the closing states that when the loan was paid, it wasnt assigned or acquired by whoever took over the accounts from XXXX lender because there was nothing to get. We are being told that because of all the fraud in the past that we are required to give {$10000.00} to put in escrow before we close. This money will only be used if legal actions are needed to find the missing information. I am not sure why we need to do this since we did a title search when we closed in 2006.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Motolease, LLC (VA)

I contacted MotoLease on friday XX/XX/XXXX. i advsd them that a payment has come out of my acct that was not authorized by them. they stated it was due to my lease agreement but I also had my payments deferred for two months which means i would of been due until XXXX. I advsd them of that and they said it was an error on they end. I told them that i wanted it refunded and the bank fees refunded. it is now XX/XX/XXXX and ive received two overdraft fees from my bank and also they have taken another payment out. Due to covid i was relying on that money for food thats why i deferred the payments for a couple months. Now i have XXXX $ of overdraft fees on my bank acct along with negative XXXX $ balance. I want my money back and my overdraft fees credited that continue to get added with the negative balance.
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (TX)

I did not authorize anyone employed by XXXX OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Consumer complaint received 2018-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MA)

I have been locked out of my account for almost 2 months now. I am unable to reach anyone to resolve this issue. I need access to my account to get transaction information so that I can file my taxes. I have called the customer service number repeatedly. They take down my information and then tell me my request has been escalated. However, the service people say that they have no information on the status of the issue and can only communicate with the technical support staff via email.

I have also emailed numerous times. Now, they no longer respond to emails, but refer you to an application where you can submit your service request. When I access that, I need to be able to access my account to submit my request to get the problem resolved ... .so it is a dead e

nd. I got an email response from a guy abo ut 2 weeks ago, saying he was sorry for the slow response and he would immediately address my issue. However, nothing has come of that and he does not respond to further requests for help. Again, at a minimum I need an acco unt transaction summary for XX/XX/XXXX... I can not file my federal taxes without it. I have contacted the Company both in writing ( email ) and by phone on the following dates : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX - no action to date
Consumer complaint received 2020-05-06
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: FC HoldCo LLC (MI)

Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit