davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I started to contact loan care back in XX/XX/XXXX. I stopped to make payment in XX/XX/XXXX. I had car accident on XX/XX/XXXX, and after it was struggling for my sickness. I bought the full coverage, and paid off the car loan. But I never thought I did not get paid until today. So I sent the loss modificaiton process, and kept can not reach the person for my case through loan care. So I hired the XXXX XXXX XXXX for helping me as the witness for my case. It kept saying that no documents received. The law firm told me to file the bankruptcy to postphone the sale time, and wait for loan care to give me the new plan. But I got the sale news through flyers again. I hired another Premium legal service to help me. Again they did not do anything just asked me to file bankruptcy again. But the result is nothing done, and my house sold on XX/XX/XXXX. Loan care closed the modification case for no documents filed on the same sale date. I felt this is dual tracking and loan care should not sell on that day. And also I had grandma and grandfather illness and passed away in XXXX. I am the XXXX XXXX for my parents, and I had to go back to XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX Now there is no one can help me to get my house back. I need correction for my process.
Consumer complaint received 2021-01-06
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. (SC)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (WI)

XX/XX/2022, my credit limit was changed to {$1200.00} ; however, before this change my credit limit was {$1500.00}. On XX/XX/2022, my current balance was {$1300.00} and I made a {$100.00} payment. Then, I made a {$310.00} payment on XX/XX/2022. On XX/XX/2022, my available credit was at {$500.00}. Abruptly, the current balance changed to {$990.00} and my available credit went to {$200.00}. On XX/XX/2022, I called to get some clarity about this and was told my credit limit was reduced to {$1200.00}. Since, my credit limit dropped to {$1200.00} and my credit limit was at {$1200.00} at the time. I was over my credit limit. The {$310.00} that I sent went towards the XXXX. Barclays representative said I was over my credit limit. The reason I was over my credit limit is because Barclays dropped my credit limit under my credit limit even though Barclays knew the new credit limit would put me over the credit limit.
Consumer complaint received 2021-01-06
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: Exeter Finance, LLC. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX, EXTER FINANCE and XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MAS Associates, LLC (MD)

I am under contract for a property located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX effective as of Friday, XX/XX/2022. As part of the mortgage process and due to the volatility of interest rates, I interviewed multiple mortgage lenders one of which was Equity Mortgage Lending and their agent or representative XXXX XXXX. On Tuesday, XX/XX/2022, I made a decision to proceed with an alternate lender and executed their initial disclosures and locked my interest rate. I had no further communication with Equity Mortgage Lending and did not execute disclosures or any other documentation implying that they were the agent I had chosen. Shortly thereafter, I had a home inspection done and continue to proceed towards closing. I believe on XX/XX/2022, my current lender attempted to order an appraisal and became aware that the FHA Loan # was being HELD by Equity Mortgage Lending and requested an immediate transfer. They appeared to respond promptly and indicated that they transferred it to another company in error which we now find to be false. Apparently, they have gone back and forth and received multiple excuses until I became aware of the situation yesterday, XX/XX/2022. Because of the holiday, I waiting until this morning to again ask XXXX XXXX XXXX and Equity Mortgage Lending to release the FHA Loan #. He was clearly upset and verbally berated me for not proceeding to close the loan with his company and said that he " will get to it when he can. '' This is beyond unacceptable and clearly in violation of my rights as a consumer. In my opinion, this is not only unprofessional but I am at risk of not only losing my contract, but also losing the earnest money deposit and the advance fees I have paid to close on my home. Further, as interest rates continue to rise, I may also fall outside of the lock period and suffer additional damages which I will seek to recover if the FHA Loan # is not properly released today, XX/XX/2022. I am asking for your assistance in forcing this transaction and the re-assignment of my FHA XXXX # to XXXX XXXX Mortgage. Please feel free to contact me directly if you require any further documentation.
Consumer complaint received 2022-10-11
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. (MO)

I opened a XXXX account approximately 10 years ago. XXXX 's agreement with their finance company expired so they re-opened an account on XX/XX/2022 which impacted my average age of my credit cards which then impacted my credit score as the age went from 10+ years opened to 6+ months opened. I tried to resolve with XXXX but they said they couldn't update the original credit open date. I closed my accounts with them but it still negatively impacted my credit score.
Consumer complaint received 2018-02-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

I purchased a home XX/XX/XXXX with Wells Fargo, in XX/XX/XXXX I was behind in my payments for maybe 5 to 6 months at the most. Instead of losing my house I went to Wells Fargo for some help and was told they were going to put the pass due that I was behind at the back of my loan. Just recently I decided to sell my house and move to another location due to a very good career change. To my surprise when the title company pulled the title to my property there was an additional loan from HUD for {$34000.00}, that I had no clue was a part of my mortgage. So to find out, the help they gave was modification of my loan and extended it out for another 26 years. Also, all of my principle that I paid prior to my loan modification it seems to be missing. I requested a payment history from Wells Fargo about 2 weeks ago for my payment history from XX/XX/XXXX - XX/XX/XXXX and yet to have received the requested documents. I've been in my house for a total of 9 close to 10 years and Wells Fargo is stating I've only paid {$9000.00} total to them. I would like to know where all of the money I've paid for mortgage over the last 9 years has gone. Please advise me what steps I should take to get the needed documentation for auditing purposes. A representative from Wells Fargo stated they are revieiwing my case due to a red flag they found, but I have just to get any resolution.
Consumer complaint received 2019-01-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX wrote down a student loan I had with them in XX/XX/2012. They eliminated their student loan unit. They sent me paperwork saying I would now have to pay taxes on the right-off. However, they have since not corrected my credit reports and continue to add statements such as transfered to recovery unit. There is no one to talk to at XXXX bc the unit no longer exists. The credit bureaus won't change the info despite challenging myself and with help of Credit Assistance Companies. I need help. Thanks!
Consumer complaint received 2021-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (NC)

This complaint is about Nationwide Recovery. On Monday XX/XX/XXXX I sent by certified mail to the address listed on my credit report a letter regarding the validity and verification of multiple debts listed on my credit report from this debt collector. To date I have not received any correspondence back. I also went to their website and emailed the email address they provide to get further clarity on the alleged debt. I emailed them XX/XX/XXXX. Both attempts at communicating have not been responded to. There are three accounts in question respectively in the amounts of {$190.00} opened XX/XX/XXXX ( XXXX and XXXX  ), {$240.00} opened XX/XX/XXXX XXXX XXXX  XXXX, {$130.00} opened XX/XX/XXXX XXXX XXXX XXXX. I have also disputed the accounts with the above credit reporting agencies with no resolution. I believe this company to be a scam due to their not ever being ANY EVIDENCE or attempt in response to me. It is very detrimental to my credit report to have UNVERIFIED debts listed and harmful to my score. I have attached evidence of my attempt to reach the company by certified mail and email.
Consumer complaint received 2021-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (IL)

I received a notice from Allied International Credit Corp ( AIC ) asking to pay a balance of {$1800.00}. It said an account was referred to their office by XXXX the creditor. It said I must notify their office in writing within 30 days from receiving the notice if I want to dispute the validity of the notice. It also asks to remit a payment to the address of : Allied International Credit Corp XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX It also says payment can be made by signing into XXXX and making a one time payment to bring the account up to date. 
I have not opened an account with XXXX so this debt is not valid. 
I have not notified AIC or XXXX regarding this because I have not opened an account with XXXX so I feel this is fraudulent.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BREMER BANK, NATIONAL ASSOCIATION (MN)

Bremer Bank is discriminating against me because of my race, me being XXXX XXXX XXXX XXXX ) by denying me an opportunity to apply for credit and open up a checking account with Bremer Bank online and in person. Bremer Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (TX)

XXXX  is incorrectly indicating there is increase in the balance owed by Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct, the original amount owed was {$16000.00} and the current amount owed is {$16000.00}. I have made no payments 30 days late. And there have been no late fees recorded on my statements. Statements attached for review.
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (DC)

In XX/XX/XXXX we purchased a XXXX XXXX with a large down payment and an auto loan from Wells Fargo that would become a nightmare. The bank gave no option for autopaying the loans, so we had to call up and manually process a wire transfer from our bank each month. For some reason, our payments chronically failed to process and the bank never informed us if our payments were late. We ultimately paid off the loan three years early but the payment failed to process for reasons that were never clear, and my husband 's credit score dropped 100 points. I know Wells Fargo has an abysmal reputation for having normalized the types of frauds typically associated with ponzi schemes, but a straightforward auto loan I never had a problem paying did not seem to be the sort of product that would invite abuse and predation. Boy, was I naive. Now we are trying to buy a home and our credit has been destroyed by this XXXX loan we never even needed.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

I have tried to request my Equifax online and in writing and have still not received a copy of my Equifax credit report. I have had not troubles obtaining it with the other bureaus but for some reason Equifax is not responding to my request. I even sent the request certified. I have attached proof of the letter I sent certified as well as the tracking showing they did receive it.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (VA)

Citigroup denied me a Citi Double Cash card and mailed me a denial for the Citi custom cash card to further prove their incompetence. I tried for 15 years to get this card and now they are mocking me in a denial. What a disgrace of a company
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: GFS II, LLC (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GFS II LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2021-08-19
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. (FL)

I XXXX XXXX obtained a 12-month forbearance on my mortgage from XXXX XXXX XXXX this past XX/XX/2021. I am attaching a copy of the forbearance agreement. My mortgage was supposed to be posted as Current - Never Late under this agreement. I have survived a horrible case of XXXX, and I was entitled to this forbearance. Accordingly, I request the credit reporting agencies to help me obtain the proper credit rating I was granted through the forbearance agreement submitted. 

XXXX XXXX
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$780.00} {$780.00} Payment Info Original loan amount {$780.00} Balance {$780.00} Status date XX/XX/XXXX -- -- This popped up on my credit report and I didn't receive proper notification to be able to be properly dispute this. I have been residing at XXXX XXXX XXXX and we do not have any XXXX XXXX XXXX, we don't have service due to being in rural area.
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

I, like many other consumers, recently was informed my Federal Family Education Loans ( FFEL ) do not qualify for the Public Service Loan Forgiveness program. I have consistently been making monthly payments on my XXXX and XXXX school loans for 11 years, during which time I have worked only for non profit employers. My loan has been serviced by a number of companies, including Nelnet, XXXX ( formerly XXXX ), and XXXX. Throughout the course of paying back my loans, I would call from time to time to inquire about repayment options and to ensure I was utilizing the best option for my income and financial situation. I was told, on more than one occasion, by more than one of the loan servicing companies, that my loan would qualify me for the PSLF program after I made the XXXX consecutive payments. I now know, that is inaccurate information. I could consolidate my outstanding balance to the appropriate loan type, however, the XXXX consecutive payments would start over.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (GA)

XXXX XXXX XX/XX/XXXX {$130.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$170.00}
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and TransUnion are fraudulent on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2021-08-19
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. (KY)

I have been battling credit errors since XX/XX/ and prior due to identity theft and Equifax data breach. I have spent hours on the phone trying to get my information correct I was told by representatives that information had been corrected to only check and nothing had been corrected nor would they update my information with corrected proof of errors reporting on my credit report also reporting outdated information and changing my address without my consent I honestly have tried everything to get my credit back in order soon as I seen a major increase I lost XXXX points due to errors and misinformation Equifax reported. I have lost money time and opportunities for lenders to provide service due to this
Consumer complaint received 2019-01-22
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

Chase wrote down a student loan I had with them in XX/XX/2012. They eliminated their student loan unit. They sent me paperwork saying I would now have to pay taxes on the right-off. However, they have since not corrected my credit reports and continue to add statements such as transfered to recovery unit. There is no one to talk to at Chase bc the unit no longer exists. The credit bureaus won't change the info despite challenging myself and with help of XXXX XXXX XXXX. I need help. Thanks!
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXXXXXX associates does not obtain a legal license to collect any debts in XXXX state they have illegally attempted and has illegally impacted my credit score which has caused depression and extreme mental stress
Consumer complaint received 2019-01-21
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. (NJ)

This is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

Thank you.
Consumer complaint received 2022-08-12
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. (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX 15 U.S.C. 1681 Section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that the consumer reporting agency can not furnish an account without my written permission.