davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

The mortgage servicer, Rocket Mortgage, is blocking a payoff. On their website it shows a balance due that includes the " second lien '' partial claim, and this is also shown on their statements. 
They refuse to show this on a payoff which leads me to believe that they do not want the customer to be able to pay them off. This also is an issue as it is a FDCPA and possibly a Reg X violation in terms of servicing the mortgage properly. 
In this case, the website shows a balance that includes the partial claim ( owned by HUD and serviced by XXXX ). The statements show the same. The payoff does not. This leads to consumer lack of clarity on process and is not a correct display of information. Rocket Mortgage shouldn't show the balance of the second in the total XXXX on their website and in their statements, but then choose not to do so on payoffs ( citing that the second is serviced by XXXX and owned by HUD ). This seems like a scheme to continue to collect money while payoffs are delayed. 
Lastly, I see no notice in the workout package signed with Quicken attached that XXXX would be servicing the second. This, indeed, is a workout package coordinated by Quicken and implies that Quicken ( now Rocket Mortgage ) will continue to be involved in the second 's balance due. I received no notification from anyone related to servicing of the second until XXXX provided a service transfer letter last week ( 4 weeks delayed into the payoff request process ). My selling and purchasing transactions are now in jeopardy as the payoff from XXXX has not yet been supplied.
Consumer complaint received 2021-09-01
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. (TX)

I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. XXXX, XXXX  and Equifax have failed to respond.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have been repaying my federal student loans since XX/XX/12 through XXXX XXXX and then XXXX  and switched to fed loans in XXXX i have always been enrolled in a income based repayment plan and worked for non-profit. i am still waiting to an updated loan count from XXXX which i requested in XXXX the only loans " counted '' have been for the months i paid through fed loans. i have called fed loans multiple times for an update and was told there is no way for them to tell me why there has been a delay.
Consumer complaint received 2019-10-31
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)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX/XXXX XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

Money of {$2000.00} was transferred to wrong XXXX account on XX/XX/2021 from Wells Fargo. After numerous calls between Wells Fargo ( sending company ) and XXXX ( receiving company ), Wells Fargo will not retrieve funds and XXXX will not move money to correct account.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (UT)

My loan was recently sold by XXXX XXXX  to Flagstar Mortgage. Prior to the sale, I went through the process to have mortgage insurance removed from the account. I paid for two appraisals and had many communications with XXXX. I have a letter in hand from XXXX dated XX/XX/2018 stating that they had removed mortgage insurance from my account. 

When my loan was sold to Flagstar, I noticed in my online account that mortgage insurance had been put back on my account. Although it's now significantly less than what it had been with XXXX, it's my understanding that this is a violation of the Home Owner 's Equity Protection Act. Series of attempts tried by me to get this rectified : 1.When I first notice this in either late XXXX or early, I called Flagstar and asked them to remove it. They asked me to send an email to their PMI department. I did and received the automated reply that they'd get back to me and they did not. 

2. So, I called on XX/XX/XXXX ... They said that they need a copy of the letter XXXX sent me, so I sent it in. No response other than the same automated email. 

3. I called again on XX/XX/XXXX ... Now they want a copy of the appraisal. Sent it on over and guess what? No response. 

4. XX/XX/XXXX. Now they want me to get a letter from XXXX showing the effective date of the removal. I've been on hold with XXXX 's automated phone line for 45 minutes and counting. 

I've never missed a payment on this mortgage, took all the steps asked of me to get it removed, had it removed, and now it's on me to keep following up with these guys to see what else they can think of to get me to keep wasting my time on? I really don't find it to be fair or amusing to have to jump through any more hoops with these guys.
Consumer complaint received 2019-10-31
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)

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDXXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-12
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. (MO)

I was effected by the eqaifax security breach at the time of the breach I was buying a home and all my personal info was exsposed including ssn dob drivers license number and bank info. Theives have opened credit cards in my name taken over my bank account which has caused me to fall behind on my mortgage and Im now facing foreclosure. I have contacted the credit bureaus along with the card companies trying to get things fixed and have had no luck I can even get eqaifaxs identity insurance to file a claim to help me get some of my losses recovered
Consumer complaint received 2021-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (IL)

I have contacted Mainer Finance several times via phone and sent in multiple disputes. Mainer finance failed to respond via phone or via mail. they have 2 line of credit on my credit report. they have that I opened a pay day loan on XX/XX/2018 for {$950.00} and XX/XX/2018 for XXXX this is incorrect and only opened 1 line of credit not 2. All 3 balances are in correct as well and all 3 reporting agncies should not have 3 different balances. this account has many inconsistences
Consumer complaint received 2021-01-24
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. (MI)

I have been disputing inaccurate accounts with XXXX for over 8 months. They have provided me with any information about an investigation. I also contacted the creditors and they did not validate any information. My identity was stolen a couple years back, I'm not sure if these accounts are from that or just inaccurate. I have sent many letters providing proof of inaccurate, incorrect, and erroneous information they ignore me each month. 

These incorrect items are ruining my life. I don't know what else to do. 

The accounts below are incorrect. 

1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. DPT ED/XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX 7.XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-02
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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, wrong information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2021-10-05
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: Westlake Services, LLC (NJ)

Please be advised I did not give this company permission to access my consumer report. Accessing my Consumer Report without my permission is a direct violation of my consumer rights and is a blatant identity theft.
Consumer complaint received 2021-10-06
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: WELLS FARGO & COMPANY (SC)

XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$20000.00} {$19000.00} WF CRD SVC Account numberXXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$1300.00} {$1000.00} WF PLL Account numberXXXX Date openedXX/XX/XXXX Account typeLine Of Credit Balance on XX/XX/XXXX {$4000.00} {$3500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XX/XX/XXXXand fatiXX/XX/XXXXue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Consumer complaint received 2022-10-04
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. (GA)

XXXX XXXX XXXX  placed an inquiry on my Equifax credit file dated XX/XX/2022. and it's against federal law ( Fair Credit Reporting Act - 15 U.S. Code 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not request personal credit from you and only requested business credit using my EIN and not social security number. Furthermore, I was told supplying my social would be a soft pull and used only to verify my identity however, this is now a hard pull on my credit report for credit I never personally applied for.
Consumer complaint received 2021-10-05
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted XXXX XXXX regarding this matter immediately and averted an issue. However XXXXXXXX XXXX was reflected on my credit report via Equifax and XXXX as a hard inquiry. XXXX stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to XXXX to resolve. 

Flash forward several months and no resolution, I called XXXX back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at XXXX provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from XXXX stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called XXXX and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.
Consumer complaint received 2021-10-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

1. My CD has matured and I clicked the link on the website ( and also the mobile app ) to close the account.

2. BBVA bank wanted to send a security code to my phone.

3. The phone number on file is a landline and can't receive text messages 4. When i tried to change the number, the bank wanted to verify be sending a text message to my landline, which can't be done 5. I called the bank, and 2 customer service people hung up on me after I explained the problem.

6. A third person understood the problem and told me he changed the phone number.

7. I received an email from BBVA indicating a phone number had been changed and the i would have to wait 24 hours to make any transactions.

8. I waited more than 24 hours.

9. The website still has the old phone number and won't allow me to change it.

10. I now have less than 7 calendar days to resolve this problem, but the bank is not providing me with any help.

11. Last year, I requested the account be closed and the money transferred, and they didn't do it, locking me in for an additional 12 months at 0 % interest.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

XXXX XXXX is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with XXXX. I have 2 accounts with XXXX and on my credit report it is saying I have 4. They originally reported the two accounts under XXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the XXXX XXXX XXXX my report. Equifax and XXXX said that they couldn't delete the accounts until XXXX told them to, regardless of what documentation I send them. XXXX didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, XXXX XXXX XXXX . They did not delete the accounts under the XXXX XXXX XXXX XXXX and Equifax prior to reporting the same accounts under the XXXX XXXX XXXX name XXXX XXXX now the accounts are listed twice. I have disputed this with Equifax adn XXXX twice, but they keep coming back that XXXX verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into XXXX this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. XXXX has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is XXXX XXXX.
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (MD)

I received repeated call from a company that shows on my phone as Conn 's XXXX XXXX. 
They ask to speak with someone who has never lived at my address. I have told them this and they continue to call and harass me daily. The last call was this morning around XXXX XXXX. 

They insisted that I tell them if my number was recently changed and how long I've lived here. I'm pretty sure I don't have to provide them anything, as I don't owe them anything. They stated that the calls will continue since I won't answer these questions.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK (FL)

I recieved a threatening call from the FBI headquarters phone number to purchase four gift cards from the XXXX XXXX for XXXX valued at {$500.00} each. I XXXX  the number and the FBI assured me it was a spoof or scam call and they said to contact many different agencies to get refunded money to my two credit cards. This happened on XX/XX/2019. They said they have evidence that I own 15 different credit cards, a car under my name, 40  kilos of XXXX under the trunk of that car, and the only way to save myself from lifetime in jail was to cooperate. They kept calling me every second for 6 hours straight after that purchase. This was not my fault and I AM A VICTIM AND NEED HELP GETTING A REFUND! I CAN NOT AFFORD THAT! I was fooled and threatened. I have the scammers phone call logs, voicemails, receipts of purchases, text messages, etc. To prove that I am a victim! They asked for gift card numbers and pin! I have 0 on those cards now!!! I NEED IMMEDIATE HELP AND RELIEF TO FIX THIS PROBLEM ASAP!!! PLEASE!!!
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft. Therefore, I submitted an FTC report to have all accounts deleted, but they failed to do so. I also, NEVER gave them permissible purpose to furnish any of the information included on the FTC report neither. Therefore, this false information should be deleted since they are violating my rights as a consumer.
Consumer complaint received 2022-01-06
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. (IL)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (WI)

I noticed that my credit reported on XX/XX/2014 - XX/XX/2014 for my USDOE/GLELSI and Nelnet account of a total of XXXX. I want you to know that I understand my financial obligations, and if it werent for a job lost during the year of 2014, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have taken control of my finances and now that I have established a great understanding of being financial literate circumstances have changed.
Consumer complaint received 2019-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

On XX/XX/XXXXI was unable to log into my Coinbase Account. My phone had reset and didnt save my email address for my account. Therefore, I dont know the email address I used for my account but Im able to verify to Coinbase support all the information on that account thats verifiable. ( Driver license, banking information, phone number etc ) I contacted Coinbase Support and created a case #. I got an automated response back and thats all. Ive tried contacting them multiple times over the past two weeks and get nothing from them.