davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX Account XXXX XXXX {$300.00} Balance po box XXXX, XXXX XXXX SD XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NC)

My home loan was through midland mortgage. I was in the forbearance program for approximately 16 months. I sold XXXX home on XX/XX/XXXX 2021.My outstanding balance on my mortgage was XXXX, in which all my statement reflect this balance. My statements also show that there is no late fees due on the loan as dictated by the government for FHA loans. Midland Mortgage took the {$11000.00} in interest which was due as reflected on my tax statement. Midland Mortgage also took another {$13000.00} in which they keep telling me that it it interest and fees. I have reached out to a live customer service rep on several different occasions and they dont really tell no specifics but just saying I owe it. Back in XXXX when they first took the funds they had in my online file that the money was interest but they have since deleted the statement from my account. I also believe that the interest is calculated wrong at a 7.25 % rate the interest should have been {$7300.00} in interest charges. The buyers of my home sent the check to Midland mortgage first and they just took what they wanted.
Consumer complaint received 2019-02-16
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. (GA)

Experian shows XXXX acct # XXXX as a KD on my account. Now I enclosed a document showing they sold that account. I have been trying to get Experian to remove this from my account because they sold this account.
Consumer complaint received 2022-08-28
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. (NJ)

I am a Living Human being, I have rights under USC 1681, Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish the account on my Credit Report. 


this collection account is - BXXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS that are inaccurate. Please remove these negative items from my credit report immediately.
Consumer complaint received 2017-01-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LAKEVIEW LOAN SERVICING, LLC (NM)

XXXX mortgage gave my now deceased Husband & I a forbearance, then transferred our mortgage to another of their own companies ( Lakeview, a trademark of XXXX ) during the forbearance. Lakeview hired, XXXX XXXX XXXX BANK to service the loan. XXXX violated the forbearance agreement on the loan, even though they were made aware of the agreement. 
We received a forbearance from XXXX because my Husband was sick & even the XXXX. could n't figure out why. When XXXX XXXX XXXX took over the servicing they asked for mod paperwork every month never doing anything with our information, during the forbearance.They created so much stress in my poor Husbands life .... the very last year of his life at age XXXX, while having XXXX & not knowing it. They also posted to my Husbands & My credit reports that our home had been REPOSSESED/FORECLOSED during the forbearance. If this was true then why am I still living in the house? The stress during this period of unknown sickness, during the forbearance put my Husband in the XXXX XXXX hosptal for XXXX days, XXXX of those on XXXX. He ended up having XXXX in 12 hours & almost died during both. This happened 5 days before the forbearance would have ended .... yet for the last 7 months of the forbearance ... What we thought was going to be the time we focused on finding out why my husband was so sick, we were forced to feel like we were going to BE HOMELESS. For 2 full months, after his XXXX my Husband was n't even able to XXXX by himself, as well as take care of his XXXX. Then 4 months later we found out he had XXXX & was too weak still from the XXXX emergency XXXX 4 months earlier to be able to live through XXXX to save his life. My Husband passed away 7 months after finding out he had XXXX. XXXX XXXX XXXX actually called the day my Husband died asking me " When are you going to make a payment! ". In the phone records you should find my statement " I do even know if my Husband will live through the day today ( he did n't ) & your company helped him get to this point! '' *I strongly feel if our forbearance had been respected by XXXX XXXX XXXX during the forbearance period it is highly possible my Husband & I could have benefited from non-stress relating to our HOME. So that we could be able to focus on my Husbands health. As sick as my Husband was ... going to the XXXX XXXX sometimes XXXX for Dr. appts a week, he still tried to work, making out applications for employment because he had to leave his job at XXXX which was too physically demanding for him to keep, which was why we were given the forbearance to begin with. He never gave up trying to defend his Home & Family XXXX XXXX XXXX until he took his last breathe at age XXXX, 2 years ago TODAY. 
*This breaks my heart, not just for the pain & suffering my Husband & I have endured but, knowing that these lenders have & are most likely doing or have done this to who knows how many other innocent people! 
This is NOT OK! 
I believe XXXX has done a very cruel thing to a very good man, at a very young age!
Consumer complaint received 2022-02-22
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. (TX)

From XX/XX/2020 until the current date of XX/XX/2020... XXXX, XXXX XXXX  Equifax have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit report.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

In response to your CFPB I am sending you this. I am also filing this with CFPB. As you wanted proof and you did not include entire emails just what you chose to send. As stated XXXX did not even give me time to accept or reject the application as it was dated and sent by snail mail on XXXX/XXXX/14 and was not mailed out til next day. I did not receive it til after XXXX on XXXX/XXXX/14 I sent them an email directly after and called them and was told time had passed. This again was a violation from XXXX against the XXXX as you are to be given 14 days to accept or reject and they would not let me accept because it was after the XXXX date at XXXX so there was no time to go to bank, get notary and send. I tried multiple time to send in to agree and they refused. They purposely mailed late and then stated I did accept in time when there was no time given. Make sure you have the facts and I printed out all the emails and requests from XXXX which were obviously not used because it proves the violation right there. 

Here are the other items that you have continually not addressed as well and this is the 5th time requested. 
1 ) I have repeatedly requested a meeting with XXXX XXXX and he has never responded. To date I have left about XXXX messages with no response in past 3 months. I have yet to this date to ever have a phone conversation and have left numerous detailed messages and emails. 
2 ) I have never been allowed to access loan online and I have attached the copies of the about 15 times requested it locked me out as soon as I registered and has never given me access nor has customer service responded or helped. 
3 ) I requested appeal info from XXXX no response in 30 days and I sent in my own with tracking # XXXX ovenight. 
4 ) I have requested as per your email to have him send out another application which I will complete with higher earnings and I do not excessive obligations at all and my finances show that I can make a XXXX payment or higher and I requested other options such as repayment or forbearance and get caught up with extra payments within 6-9 months. 
5 ) So yes I am requesting a new financial packet ASAP and I have requested from XXXX but he has not responded.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

In XX/XX/2016 we approached Wells Fargo with a short sale offer on our XXXX family at XXXX in XXXX, MA. Loan number XXXX. Wells Fargo has consistently post poned, closed and avoided making a determination on this offer. They notified us last week that they will be holding a foreclosure auction on XX/XX/<YYYY> This would potentially created an increased tax burdon on us - since we have no control of their sale price and will receive a XXXX for the difference between amount owed and proceeds of the sale. This is an additional hardship they are causing above and beyond the hardships ( loss of jobs, damage to property, family deaths ) that caused us to pursue the short sale.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BlockFi Inc (CA)

I submitted a withdrawal from my checking from BlockFi on XX/XX/2022. I received a confirmation email and verification code that my withdrawal was submitted for processing : Your BlockFi verification code is XXXX. 
If you have any questions about your account, please contact us at http : //www.blockfi.com/contact or call us at XXXX. 

I have attached both emails. It's been ten days, no funds has arrived and no email explaining why funds have not arrived or if the process is pending. The company claims it was honoring withdrawals made on this day, the day before they announced they were going to limit access and not allows customers to fund or make withdrawals.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp (AR)

I have a loan with this company that is violating Arkansas usury law by charging an interest rate that is above the cap. I will like to pay off my balance but at the legal interest rate. I have tried to contact them get the changes made. They refused to help.
Consumer complaint received 2022-02-22
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. (RI)

I HAVE NEW & UPDATED INFORMATION ON XXXX AND EQUIFAX. I XXXX XXXX the consumer, have evidence that XXXX AND EQUIFAX are willlfully noncompliant to federal law FCRA 605B ( 15 U.S.C. 1681c-2 ). On XXXX I sent correspondence to EQUIFAX in response to ( complaint # XXXX ) & also sent correspondence to XXXX in response to ( complaint # XXXX ) ( see attached file ). In my previous complaint, I notified both XXXX AND EQUIFAX that they had 4 days upon receipt to block all of the items Ive listed inside of my identity theft report on XXXX. XXXX and EQUIFAX failed to meet those requirements. I have proof and evidence of both receipts ( see attached file ). Instead, XXXX AND EQUIFAX chose to put my FTC report in ( the system ) as a 30 day dispute to verify the same information PRIOR to the block WITH the furnishers of those same items I made notice of being fraudulent. Both companies are continuing to report False misleading information on my consumer report and are using the same information in my file that I made known to be identity theft, to verify the same information. By doing so, XXXX AND EQUIFAX are in violation of 15 USC 1681c-2 ( c ) ( 3 ). Theyre knowingly using the presence of the information inside of my consumer file PRIOR to the block to verify information on me. The FTC regulates this requirement XXXX & EQUIFAX failed to abide. I have documents from the FTC siding with my complaint ( see attached file ). I would like to now state that the consumer reporting agency XXXX has obeyed this requirement by blocking the information from reporting ( see attached file & see complaint # XXXX ). Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. EQUIFAX and XXXX are in violation for knowingly ignoring the block of information reported as identity theft pursuant to the automated system of all consumer reporting agencies.
Consumer complaint received 2018-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, I tried to link my CapitalOne 360 account to another personal bank account I use and I received a message stating that XXXX  is blocking me from using external sites. I proceeded to call CapitalOne and they were unable to resolve the issue.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

i had citi thank you prefer credit card for 10 years. They somehow decided to close my account for their own reason. No explanation given. Only letter stated that they have a right cancel the account. I have no problem with their decision because all other credit card companies are happy to have me as a customer. My problem with Citi bank closing my account is they forfeit/cancel/kept my XXXX points. they say that they have a right to do that too. That is a rubbery, i would call.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NJ)

I have a XXXX XXXX credit card which was to inactivated as of XXXX/XXXX/16. On XXXX/XXXX/16 I purchased gas at a XXXX and charged it to my XXXX card ( posted XXXX/XXXX/16 ). I just received a CITI bill with that charge on it. I never authorized the charge on a CITI card. In addition, I never opened the envelope from CITI or activated the card. 
I received correspondence from CITI prior to receiving the card letting me know that I would be issued the card. I immediately called and requested that the card not be issued because I did not want it. I was told that the card would be forthcoming and could not be rescinded. I was advised not to activate it and just not use it and all would be ok. I have tried to call CITI, however lines are always busy.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX sent my girlfriend XXXX through XXXX and she never was able to get it. The Bank won't help me find where the money went. I would like to know where or to who the money went.the transaction # XXXX
Consumer complaint received 2018-05-27
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. (PA)

Hello. I had a credit card debt with XXXX XXXX XXXX and they sold it to other collector. I contacted with that collecter and paid my debt. But It is still showing negative information on my credit report. Balance is {$0.00}. But it shows as bad debt. Can you please help with this?
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (TX)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (VA)

In late XX/XX/2021, I received notice that Mr. Cooper had purchased my mortgage loan from my previous lender XXXX. 

The notice indicated I was already in arrears. I had made my mortgage payment to XXXX in XX/XX/2021. 

My XXXX  account was in surplus of 2 months in advance, plus the XXXX payment. 

I contacted Mr. Cooper immediately to contest the alleged late payments. I was told that any pending payments would be credited within 30 to 90 days. 

I continued to make monthly payments. 
Multiple phone calls and emails and complaints were made to Mr. Cooper without response. 

I provided them with the information from XXXX, including the delivery number for the overpayments. 

No response. Over the course of 9 months, multiple complaints were made with no response. 

In XXXX XXXX and XX/XX/2021 Mr. Cooper placed derogatory statements on my pristine credit report. 

I have sought resolution without response, in XXXX, I contacted Mr. Cooper again, and after a lengthy wait a customer service representative advised me correspondence had been sent to the wrong email account. 

Additionally, she reported the Mr. Cooper mailbox, ( which they created and was used for all communications ) was not used by Mr. Cooper for communications. They placed important correspondence in an obscure place on their website, under a tab called Miscellaneous. 

In the interim, no effort has been made to respond or amend the deficiencies reported on my credit reports, and the account has not been credited with the overpayments. 

This are blatant and negligent attempts at fraud.
Consumer complaint received 2022-11-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC. (NY)

Due to XXXX, I experienced financial hardship, and my mortgage went into forbearance. Instead of offering a deferment, Axos Bank only offered a XXXX mortgage with a XXXX balloon payment. It didn't seem reasonable to expect financial stability in 12 months. 

I worked as a mortgage professional for many years, and I knew from the beginning that it was a bad idea. I repeatedly requested other options and was forced to proceed. I prayed that they would reconsider and offer me another reasonable option. Instead, they offered me a refinance that would increase my current mortgage payment by {$1500.00}, and I can barely afford my current payment. The 12 months were up last XXXX and the interest rate has more than tripled to 18 %. 

I feel that Axos Bank took advantage of the situation and what they are doing is predatory.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My Paypal account is suddenly permanently limited on XXXX XX/XX/2022 without any valid reason and I am unable to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. A few months ago, my account was temporarily limited and PayPal asked for some documents. I submitted them and my account was restored. But again when I received more orders and payments, my account was temporarily limited and asked for documents. I submitted them again but this time they permanently limited my account. I understand how important it is to review accounts timely to keep PayPal a safe environment for both buyers and sellers. As I am well aware of the PayPal policies and user agreement, I always work in good faith. I have not broken any of the user agreements or done anything wrong that my account has been made permanently limited. I would request you to please re-investigate the matter and help me reinstate my account back. The email id associated with my PayPal account is : XXXX XXXX