davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: MIDFIRST BANK (TX)

My husband and I feel that Midland Mortgage, a Division of MidFirst Bank is threatening foreclosure that pertain to the documents I will be attaching to this complaint. 

My husband and I are quite wary of what we comprehend after reading the letter and documents. 

Also, to mention that in the process of researching Records and XXXX XXXX XXXX, we did find out that the letter that was sent to us in XX/XX/2011, was a bogus letter sent to us from the Midland Mortgage. The address on it has XXXX 's name, but the address under the name belongs to the Midland Mortgage, a Division of MidFirst Bank. 

My husband and I suspected, back in XXXX through XXXX, when the VA placed the property on XXXX, that the mortgage company would wait until the last minute to send us the " mortgage assistance '' documents. And here we are in XXXX ; and they just now mailed us the documents. Not to mention, a mortgage we should not have been paying them; had they done it the legal way there would not be an issue. 

We are very wary of the wording on the documents. It seems that they want us to pay upfront to qualify for assistance. ( We should not have to pay upfront for assistance. ) And we understand that if we don't pay, or if we don't cancel because we can't afford to, either way they will proceed to file foreclosure on us. 

Meanwhile, the only communication we have received from them have been the responses to our complaints and reports. 

We do not need to pay for help with forbearance options. We should steer clear of scams, especially offers to help that come with upfront fees - whether the offer is for our mortgage or other services, like with credit repair.
Consumer complaint received 2022-08-14
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. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation (CA)

On XX/XX/year> I spoke with the collection agency when they asked me for a {$1.00} for them to verify the debt, which I did not have so they were not able to give me any information regarding the debt theyre attempting to collect
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. ()

As a victim of XXXX Equifax data breach incident, I recently contacted XXXX XXXX XXXX because I have not received the email regarding the credit monitoring service I requested. I was informed that the XXXX emails was sent in XXXX to my email address and the deadline of activating the credit monitoring service has passed. Since I have never received these emails, I went to XXXX XXXX XXXX website today to check the status of my claim again. The website shows that my claim is still " under review ''. A copy of the claim status print out dated XXXX is attached. If the emails of activating credit monitoring service were sent out in XXXX and my claim was closed, please explain why my claim status is still showing " under review '' at your website.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (GA)

The scammers created the fake digital wallet address ( XXXX XXXX ), and scammed me to transfer XXXX XXXX in XXXX network from [ Cyrpto.com ] to its fake digital wallet address above. 

XXXX Monday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Wednesday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Thursday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Thursday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Friday XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) The scammer used this digital wallet to scam me that the new stable coin is being released, and that I should be investing. My question is how [ Crypto.com ] does not provide any spot checker for its consumers to verify whether it is a legit digital wallet. It is against consumers right to know. The [ Crypto.com ] provides all the conveniences in transferring and sending digital coins, yet it does not provide any solutions or preventative methods not to be scammed by scammers. Or [ Crypto.com ] should have ways to reverse the transaction that was involved in fraudulent activities. I notified the [ Crypto.com ] right after the scam in XXXX, and I was told that there is nothing they could do. I recently found about CFPB complaint who can stand for consumers right to be protected and that is why I am submitting a claim again. 

[ Crypto.com ] published the article called [ Crypto Remittance Scams : What They Are and How to Avoid Them ] on XX/XX/XXXX at <XXXX XXXX XXXXXXXX, but it is even a year after the scam occurred. I am disappointed how they were negligent about these scamming incidences for a year until they take an so called action by publishing the article that simply said be careful. It is very unresponsible for this gian big tech company like [ Crypto.com ].
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

When I started service with XXXX XXXX on XX/XX/2019, the sale associate told me that when they check my credit score that it shows up as a soft inquiry. After XXXX XXXX did the " soft pull '' it shows up on all 3 credit bureaus as a hard inquiry which lowered my credit score. I talked with 2 other associates, one in person at a store location and another thru XXXX XXXX  online chat on XX/XX/2019 that I took a screenshot of the person named XXXX that I was chatting with that confirms that the company tells potential customers that it is a soft inquiry and not a hard inquiry. He specifically says that " we are all told its a soft inquiry ''. I tried disputing it with the credit bureaus but they said that they dont handle hard inquiry disputes that I have to contact the company that did the hard pull. I contacted XXXX XXXX   and they stated that I gave them permission to check my credit report so they dont have to change or do anything about it. XXXX XXXX is lying to potential customers about the soft/hard inquiry. I applied thinking that it was gon na be a soft inquiry, otherwise I wouldnt of applied for service. I opened up services under false pretenses.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Bureau is reporting an account with XXXX a student loan supplier as being over 180 days late ... .account has been in deferment for a number of years and has never been late, yet they claim to have validated the debt which I previously supplied documentation showing that it has been in deferment and never late. The derogatory information being supplied by Transunion is completely inaccurate, I want all derogatory items removed immediately because they have NO first hand knowledge of any of those accounts.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (GA)

I reviewed my report and I'm unfamiliar with these accounts. 
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 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Received a phone call from a toll free number on XX/XX/22 at XXXX whereas an individual male individual pretended to be a representative from Bank of America XXXX This individual said he was from the fraud Dept. and wanted to know if I had made several transactions including one transaction from XXXX XXXX, I did not provide this individual with any personal information. I asked the individual if he knew my address to which he cited an old address that I use to own a home approximate 10 years ago. At that I hung up the phone. 
Attempted to call the toll free number and got a voice response asking about my political affiliation.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

In accordance with the fair credit reporting act this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my report and I'm unfamiliar with these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (CA)

On XXXX XXXX at XXXX XXXX  XXXX, I transferred {$1000.00} US dollars ( USD ) which equates to XXXX XXXX Rupees ( INR ) through a service called Xoom, a XXXX service. This transaction was supposed to occur between my XXXX XXXX account to my XXXX XXXX XXXX account ( the recipient account ). I received a system generated message the same day from Xoom that informed me of a completed transaction and has been successful deposited. I had also received a confirmation number which would indicate a complete transaction. The problem now is that I still haven't received the transferred amount in my XXXX XXXX XXXX account and it's been 8 days since I received the message on XX/XX/XXXX confirming a successful transaction. To resolve this issue, we contacted Xoom but they didn't respond to any of our phone calls or emails. I then went through the Help Center and reported my issue on the contact form provided there. After that, I received another system generated message that said, '' We reviewed your transaction and can confirm the funds were paid out to the designated recipient. This closes our investigation ''. Please find an attached copy of the email down below as well. The next email I received was from Xoom requesting for a recipient bank statement from XXXX XXXX XXXX which would prove that the money has not been deposited ( this bank statement is also attached below ). Now my bank, the XXXX XXXX XXXX, is requesting the " XXXX TT copy '' from the merchant ( Xoom ). In case, if the Xoom sent money through XXXX transfer, kindly confirm the UTR reference number. This email is also attached below. Xoom hasn't provided any TT copy that XXXX XXXX has requested for investigation. So in conclusion, the money that was transferred from my XXXX XXXX account was never received by my XXXX XXXX XXXX account despite XXXX confirming this transaction. I've taken initiative by contacting XXXX by the number they provided ( XXXX ) and ( XXXX ) but an automated message informed that they're temporarily only helping customers through email as a result of the covid-19. So far, we haven't received any response from Xoom.
Consumer complaint received 2024-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I had a private loan with NAVIENT from XXXX. However it was for a college that has engaged in misconduct. XXXX XXXX shut down in XXXX and filed bankruptcy the following year. 
I knew in XXXX that this college was defrauding students. By overstating income potential, Not transferring any credits. After deciding to leave XXXX XXXX, Navient would commit XXXX XXXX by calling in the early morning hours and late at night harassing my family & friends. In the end, the next year I paid the {$5000.00} private student loan off, the XXXX XXXX was too much to handle. I had to sell my family memories to pay off the loan. At the end of the day I was financially XXXX by XXXX XXXX XXXX Navient. 
I'm asking for Navient to refund the payment based on the colleges misconduct.
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (NC)

On XX/XX/2022, I attempted to make a {$25.00} payment towards my credit card using the Avant mobile application. I made ONLY one attempt to enter in my password which was incorrect. I did NOT make multiple attempts to log in and I still received a message that said " Due to suspicious activity, your account is locked, please contact Avant. '' I was able to successfully log in online and make a payment however, I still want to use the app for convenience so I called Avant customer service and spoke with a rep who was highly incompetent. He was trying to reset my password although I advised him that I was able to login online but my account shows locked on the mobile app. He then proceeded to disconnect the call. I called back for a second time and spoke with another rep who did not help nor did she actively listen to the problem. She proceeded to tell me to unlock my own account. She had me uninstall and reinstall the app which did not solve the problem either. The call was then disconnected by the representative. Avant 's customer service is horrendous.
Consumer complaint received 2020-05-15
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. (NC)

I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are XXXX, XXXX and Equifax, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX  XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.
Consumer complaint received 2024-05-10
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Diversified Adjustment Service, Inc. (MN)

I am writing in additional to filing a formal complaint regarding a HIPAA violation perpetrated by XXXX XXXX and Diversified Adjustment Service , Inc. with the Office of the Minnesota Attorney General. 

I recently discovered that a debt which originated from XXXX XXXX, was sold to Diversified Adjustment Service , Inc., a debt collection agency licensed in the state of Minnesota. Upon requesting validation of this debt, Diversified Adjustment Service , Inc. sent me a copy of a bill branded from XXXX XXXX, which openly displayed my name, address, account number, and alarmingly specific details about my medical health. In addition during this debt validity request, I was sent a second collection attempt within my 30 day protected window from collection attempts. * The bill that is now in the possession of a collection agency includes highly sensitive medical information, such as detailed diagnosis codes, the name of my provider, and a description of my care. A cursory XXXX search of the diagnostic codes listed reveals both of my medical conditions, and a search of my provider, who is a XXXX, also yields specific information about my medical history. This egregious breach of privacy has left me deeply concerned about the security of my personal health information**
Consumer complaint received 2022-08-14
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. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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 my written instructions. 

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2024-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (VA)

When I purchased my home with Wells Fargo the appraisal was XXXX, My loan was XXXX so that had my LTV at 76 % I feel I should had never been charged PMI ( Private Mortgage insurance ) My mortgage recently was sold to XXXX I am trying to have the PMI removed again. My question is should wells Fargo reimburse all the PMI I paid wrongfully? Also I was in the process of PMI removal with wells fargo and then they sold my mortgage before I could finish the process. Thanks
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (NJ)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX claims that I owe them {$150.00} for pest control service on XX/XX/XXXX. 

Last service was provided by the company in XXXX of XXXX and the payment was made for the same in XXXX of XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has sent a letter through A.R.M Solutions , Inc. ( California License No. : XXXX ) to me, for debt collection. 

This is a false invoice XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and payment ask by A.R.M Solutions , Inc. because there was no pest control service from this company in XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXefuses to address the issue of incorrect invoice for no pest control service in XXXX and chose to engage A.R.M Solutions , Inc. ( California License No. : XXXX ) for debt collection.
Consumer complaint received 2022-08-14
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXX Account XXXX has violated my right XXXX Account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Account 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.