davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OK)

There is an account reporting on my credit file that has been re-aged by the debt collector and is inaccurately reporting on my credit report. 

The account in question : XXXX XXXX XXXX # XXXX This account is tied to XXXX XXXX  # XXXX. 

The date of first delinquency was XX/XX/XXXX and it is being reported by XXXX XXXX XXXX that the date of first delinquency was XX/XX/XXXX. I asked that the account be verified and it came back verified, however this is not possible since this account was NOT opened in XXXX and has clearly been re-aged. Re-aging a debt is highly illegal and I demand this account be removed immediately, as my consumer rights have been violated. 

According to FCRA Section 623 ( a ) ( 5 ) ( a ) : " In general, a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action ''. 

My rights were violated as this account has shown up as a duplicate on my credit file and is littered with incorrect information and re-aged dates. This must be removed from my file ASAP. I have attached photos of the account in question.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage loan was slod to Specialized Loan Servicing around XX/XX/XXXX by XXXX XXXX Bank. Since than I have asking for records and filed dispute in writing and on the phone. I have also file complain with Attorney General of XXXX. I have also field complaint with CFPB as well. 
On XX/XX/XXXX I received notice dated XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX whose address XXXX XXXX, TX XXXX, XXXX XXXX. Phone number XXXX. I have been informed my mortgage loan has been sold them and I have until XX/XX/XXXX to respond. 

On XX/XX/XXXX I received notice dated XXXX XXXX, XXXX from Specialized Loan Servicing whose address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX. Notice states my multiple and multiple requests to provide records since XX/XX/XXXX need extra time. I am informed in this notice I should get response soon. 

Again on XX/XX/XXXX I received second notice for demand payment, workout solution and so on. 

XXXX XXXX XXXX has not resolved any disputes material of facts since XX/XX/XXXX. Unlimited amount of email and letters sent with many phone calls. I have not been provided information. Now loan has been sold and I must work with XXXX or XXXX different entities. I can work with many entities in less 6 months time and is the owner of the account I do not know this. 

Who to file dispute I do not know? 
Who asked records I do not know? 
Who to makes payments etc., I do not know?
Consumer complaint received 2020-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

On XX/XX/XXXX spoke to representative that called me says the XXXX payment I made by mail was not received so I had to pay over the phone immediately so that I don't fall into a 30 day default. I made both the XXXX and XXXX payment total of {$240.00}, then following day on XXXX the XXXX check payment finally went thru, dated XX/XX/13 and I mailed it same day. so now I made 3 payments, called today spoke to XXXX after a long hold unable to reverse any of the payment because I will fall into default. then proceeded to tell me best to credit the month of XXXX and XXXX. attempted to get 1 payment reversed, can't  even do that, have to wait 5 days for check to clear, then another 15 days to get a check by mail. this company is worse than cash call. hold your check payment till the last day of the month, then calls and tells you that you are in default. gives you cause for concern and now the scare tactic tricked me into making 3 payments. nice way to do business -and on top of that I get a notice of default that I owe fees
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Tormey Bewley Corporation (NM)

My ex husband claimed bankruptcy chapter XXXX on XXXX that was discharged on XXXX and then I later claimed bankruptcy chapter XXXX on XXXX discharged on XXXX despite these two filings this collection company has repeatedly continued to report false information and refused to correct it with our federal bankruptcy information.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I have a judgement on my Exsperia credit report that is not mine! 
Here is the Information, Reference Number XXXX XXXX XXXX County XXXX, I ca n't get the other numbers! 
Date XX/XX/2015 Thanks
Consumer complaint received 2016-05-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am reported to XXXX by Bank of America ( BOA ) for apparent fraud. There was never any fraudulent activity on my behalf. This was reported sometime in XX/XX/XXXX, but came to my attention in XX/XX/XXXX when I went to open up new bank accounts. I paid overdraft fees I supposedly owed BOA and they allowed me to open a bank account. A few days later they closed my account due to chex systems. I then spent many many hours trying to figure out why I was unable to open up an account at any other bank. After, a lot of research I began writing both XXXX and BOA to get this removed from the system. This began on XXXX/XXXX/XXXX when I sent my first letters out to BOA and XXXX. I did not receive a letter from BOA until XXXX XXXX, XXXX dated XXXX XXXX. Based on the XXXX XXXX, Bank of America did not follow the proper time frame and procedures in the Fair Credit Reporting Act. 

Over the past 18 months I have kept a detailed history of the extra time and money that I have spent because I have been unable to open a bank normal account. With the help of some online forums, it was pointed out to me how they violted the FCRA. I was ready to go to small claims court Monday ( XXXX/XXXX/XXXX ) but was advised that you all might be one last stpo to give BOA a chance to resolve this issue without the courts. 

I have my paperwork of certified mail return receipts and the letters that were enclosed. Bank of America received all this as well and do not feel the need to submit them at this time as I was advised to wait until court to provide my paperwork.
Consumer complaint received 2022-11-23
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. ()

In accordance with the fair credit reporting act. My accounts ( apart from XXXXXXXX XXXX  ) have violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C section 604 A section 2 also states a consumer reporting agency can not furnish a 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 shale not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurat
e.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NV)

Requested a withdrawal from Gemini crypto exchange on XXXX XXXXXXXX since then my funds are supposedly pending. I have not received any information as to when I might expect return of my funds, even after several attempts to communicate with Gemini. They dont seem to have any phone contact numbers so, Ive only been able to communicate through twitter. I received an initial contact but after I respond, nothing. I fear that Gemini is just another XXXX  scheme. If you could request they honor my withdrawal request I would greatly appreciate any assistance.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (VA)

-XXXX  XXXX XXXX : Client in forbearance with XXXX due to Covid-19 hardship. 
XXXX XXXX : Client made a mortgage payment but it was returned, & his file was sent to Loss Mitigation , which asked client to submit paperwork. 
-XXXX. XXXX : Client completed & submitted a loan modification application. 
-XXXX XXXX : Loan modification was denied, no other workout options provided, and payment of past due of about $ XXXX demanded. 
XXXX XXXX, XXXX : Client received a Notification of Assignment/Transfer letter from XXXX XXXX XXXX XXXX XXXX stating that effective XX/XX/XXXX, XXXX was going to be transferring loan to new servicer Selene Finance LP as of XX/XX/XXXX. ( Also, client found out that XXXX XXXX  no longer is investor of his loan, when he tried to escalate this situation. ) -XXXX. XXXX : Client has never received a welcome letter or a statement from his new servicer Selene Finance LP . ( The only letter he received was for him to set up his bank account for automatic payments. ) -In XXXX client also applied and got a case manager from the Virginia XXXX  XXXX XXXX XXXX XXXX ) to help him with the rest of the past due amount to pay Selene XXXX and to bring him " current '' on his mortgage. 
-On XXXX XXXX, XXXX client called with a HUD Counselor & Selene accepted a payment of {$3200.00} ( 6 mos. ) & agreed that on XXXX they would accept {$530.00} monthly payment. ( He wanted to keep his past due payments under 20 months to be able to qualify for the VA Mortgage Assistance program. ) -XXXX. XXXX Client called, & Selene refused to accept payment & stated that Status was : " FORECLOSURE ''. Client has Never been Notified & was shocked! ( He was told, when he insisted, that it went into foreclosure on XX/XX/XXXX ; but no further explanation or letter has ever been provided to client. ) -The other problem is that the client has been requesting and must have A MORTGAGE STATEMENT from XXXX indicating the Past Due amounts so that the VA Mortgage Relief Fund can help him. ( Client is unable to access his online account to print one, as his account is " RESTRICTED '' due to the " Foreclosure Status '' on his account. ) -The client has been working with a HUD Counselor and they have called Selene and to try to get a mortgage statement emailed or mailed, but the representatives at SELENE have said they were not able to. When we asked to " Escalate '' to a supervisor, we've been put on HOLD & then the call gets disconnected.

-We feel we are stuck, and must ESCALATE this situation to the CFPB for HELP and to SAVE this client 's home!
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RAS LaVrar, LLC (VA)

Dear Sir or Madam, On XX/XX/2020, my Attorney XXXX XXXX XXXX XXXX XXXX wrote RAS LaVrar Law Offices a 14-day {$1000.00} demand letter for violating the Fair Debt Collection Practicing Act. 

However, the law office never responded back.
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (RI)

XX/XX/XXXX at XXXX, I received an email from XXXX  XXXX XXXX ( I have a credit and debit card with XXXX  XXXX XXXX ) saying that my card was being used to make 20 individual purchases on this website XXXX, with charges equating to {$8500.00}. I called the bank immediately and was told someone hacked into my paypal and my XXXX   account. I was unable to access my my XXXX  account since the hacker changed all of my information. The bank closed my account, but XXXX of the purchases did process on my credit card for {$580.00}. I checked my account today, XX/XX/XXXX, and I noticed over {$3000.00} of my savings had to be transferred to my checking account which means the orders the hacker made could have been processed. I called XXXX  XXXX   XXXX again, and I was told they froze my account. I am going to XXXX  XXXX XXXX to open a new account, but I have to wait until next week to get an update on my claim. I filed a claim to PayPal and it is under review. I also emailed XXXX customer service and they were able give me access to my account and to change my password. However, once I logged in, I realized XX/XX/XXXX of the items the hacker tried to purchase are processing.
Consumer complaint received 2023-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

Mohela is using the dates of the signature blocks ( section 4 employer certification ) This is the date the employer signed the forms to be submitted to Mohela, above this section it is clearly checked that I am still employed on both forms from each employer. 

This is a mistake on Mohela 's side and they insist that I am no longer employed as of XX/XX/2022 and XX/XX/2022 Please see attached documents and the dates showing for signature signing not employment ending.
Consumer complaint received 2016-01-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

This collection agency was able to receive a judgment against me without giving me the opportunity to respond or dispute my case, they also denied my request after several attempts requesting to see a signed agreement or contract.
Consumer complaint received 2019-12-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I sent two dispute letters to Equifax in the months of XXXX and XXXX, but on both occasions, they either told me that they can't complete the investigation process because I either have a security freeze on my credit report or that I'm not detailing what I'm disputing correctly. I feel this is bogus because XXXX  and XXXX  have already deleted the same accounts that I have on my Equifax report.
Consumer complaint received 2020-03-09
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. (VA)

The info below, doesnt belong to me and i have tried many times to get it removed from my credit report and it is pulling my score down. below is all the details to what i do know. 

XXXX XXXX  Account # XXXX Amount {$200.00}
Consumer complaint received 2020-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (IL)

Arrowhead advance and been patient with me and reduced some of my interest payments but my wife lost her job and I can only pay {$100.00} a month and they want me to pay {$200.00} a month of my remainding debt of {$440.00}. I have paid them back the {$1000.00} originally borrrowed and in the process of paying back interest payments which I believe has been {$1400.00}. Two months ago, I contacted Arrowhead Advanceand I proposed paying them back {$100.00} a month and they would not agree to the terms. They would only allow me to make a {$50.00} payment with {$100.00} payments going foward every two weeks.I was not able to make the {$100.00} payment today on my debit account. My attorney has sent them a letter on XXXX revoking their right to garnish and to not use my bank account. I plan to pay them back but I can not afford {$200.00} a month. 

below is my past payment history : Loan Details ID : XXXX Start Date : XX/XX/XXXX ( Mon ) Original Principal : {$1000.00} Status : Pastdue Current Balance Principal : {$230.00} Finance Charges : {$180.00} NSF Charges : {$30.00} Total : {$440.00} Last Payment Amount : {$99.00} Date : XX/XX/XXXX ( Mon ) Type : Returned Date Description Principal Cash Advance Fees Finance Charges NSF Fee Total XX/XX/XXXX Payment ( {$99.00} ) {$0.00} {$0.00} {$0.00} ( {$99.00} ) XX/XX/XXXX Payment ( {$99.00} ) {$0.00} {$0.00} {$0.00} ( {$99.00} ) XX/XX/XXXX Payment ( {$50.00} ) {$0.00} {$0.00} {$0.00} ( {$50.00} ) XX/XX/XXXX Payment ( {$110.00} ) {$0.00} {$0.00} {$0.00} ( {$110.00} ) XX/XX/XXXX Payment ( {$110.00} ) {$0.00} {$0.00} {$0.00} ( {$110.00} ) XX/XX/XXXX Payment ( {$100.00} ) {$0.00} {$0.00} {$0.00} ( {$100.00} ) XX/XX/XXXX Payment ( {$50.00} ) {$0.00} {$0.00} {$0.00} ( {$50.00} ) XX/XX/XXXX Payment ( {$40.00} ) {$0.00} ( {$180.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$32.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$26.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$21.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$17.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$13.00} ) {$0.00} ( {$210.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$120.00} ) {$0.00} ( {$100.00} ) {$0.00} ( {$220.00} )
Consumer complaint received 2020-03-09
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. (UT)

XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I completed the process to request a loan modification under the " Making Home Affordable '' program. After making XXXX consecutive payments, Bank of America has failed to convert me to a permanenet modification which is subsequently causing further delinquency. I am trying to work with my lender to prevent both further delinquency and bankruptcy.
Consumer complaint received 2022-11-23
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. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681.And they have violated my rights numerous of times. 
I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (OH)

When i was under age my mom took me to Hospital. 
The debt was not paid. Since then I have turned over XXXX. And the hospital put the bill in my name and I was unaware of this bill. 
The bill amount is for {$210.00}. As this bill shows up on my credit report. 
I have tried to dispute this bill. With the collection agency and XXXX and XXXX And the collection agency still will not remove it. XXXX asking to remove this account from report as I feel it violates my HIPPA rights. 

Thanks
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

We recently started trying to purchase a home. Well when the lender requested the credit report Equifax would not pull up. We called the company to remove this fraud alert and the company stated that hey could not find me. That I also had to send in personal information via fax. Well we did a week goes by and still nothing. The house we wanted is now under contract with someone else because Equifax could not help.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Hello- I am receiving debt collections call from an account that Citizen 's Bank closed. I had NEVER previously used the account. But monthly fees accrued and then the account was closed and sent to a debt collection agency for {$73.00}. This negative balance or amount owed I'm assuming was for monthly fees on the account. Because I have NEVER used the account. I would appreciate if Citizens Bank would not report credit negative comments and send my information to a debt collector who I now feel like is harassing me.
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (CA)

I ran a credit report ( XXXX ) to rent an apartment and discovered an outstanding amount in the Collections section. This debt does not belong to me and can not possibly belong to me. 

I researched the collections agency ( SouthWest Credit System ) and discovered XXXX other complaints against this company for false collections claims. 

This false collections claim seems to have been on my credit report for some time and is completely bogus. It has hurt my credit rating and I want it removed.