davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WI)

I am filing this complaint because Eqxuifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are Required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your time.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I have two accounts that have been readied after being deleted TWICE from credit report and I have attached proof. 
1. XXXX XXXX # XXXX, this account was deleted on XXXX XXXX, 2016. This is not my account. 
2. XXXX # XXXX, I have attached XXXX for that debt as well.
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I contacted the bank requesting to freeze my account, due to losing my job and no longer having direct deposit. I have XXXX checking accounts and I did not want anything drafting from my account creating a negative balances. I was told I could not freeze my accounts. An item debited from both of my accounts and I had no funds available. The bank allowed the items to debit my account which created a negative balance. A fee of {$35.00} was added to both of my accounts. Long story short my account was already in a negative and the bank continued to add fees. I currently have a negative balance between both accounts of {$560.00}, with {$310.00} being bank fees due to overdraft and returns.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (TX)

Below are the XXXX chargers that all happen on the same day and said that my card was used for each. I live in XXXX Texas XXXX XXXX in XXXX Texas XXXX The locations of the following locations are " XXXX Texas '', and the other XXXX are located in XXXX Texas. On this date I was working from home and went out to get XXXX XXXX for lunch located in XXXX XXXX away from my home. I noticed that there were XXXX chargers on my card that I did not make. I will upload via XXXX maps on what it would look like for me to have travel to get to these places... They are XXXX hours away!!! Discover is refusing to give me my money and the fraud team is ignoring obvious signs of XXXX. If they searched the numbers they would see how far these locations are and that it would not be possible for me to have gone to all XXXX in the same day. 

Discover said they got a receipt from XXXX XXXX house saying " general items '' with no time stamp... I said that is not a real restaurant receipt. As restaurant receipt 's list each item ordered and they also have a time stamp on the restaurant receipt 's. They refuse to escalate my request to a manger or higher up who XXXX actually do something. 

XX/XX/XXXX XX/XX/XXXX Debit Purchase XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Debit Purchase XXXX XXXX TEXAS XXXX XXXX TX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Debit Purchase XXXX XXXX TEXAS XXXX XXXX TX XXXX XXXX
Consumer complaint received 2018-06-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION (TX)

On XX/XX/XXXX I filed a complaint against and individual who has been trying to sway me to use his lender/mortgage company to close on a house. I refused to use his service because this individual is acting as the construction company owner for the home and as a mortgage lender as well. He has been pressuring me to close on a home today XX/XX/XXXX. I was ready to close on my behalf but he stalled documents and is refusing to take ownership on the delay of the closing date. He was not ready to close today XX/XX/XXXX. He keeps harassing me to use his mortgage company that do not want to use for personal preference. It is my right. I am well within my rights to use a lender of my choice. He has a conflict of interest in this matter and I have documents supporting everything. I just want to close on my home the way the deal went. He does not want to help with any problems along the road such as property value adjustment, Rate lock charge I have acquired because of this delay and he says he will not help me unless I use his preferred lender. I just want to close on my home. 


The individual acting on this matter is XXXX XXXX Mortgage Banker XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION (KS)

In XXXX of XXXX, my bankruptcy was discharged with M & T having been notified by the courts. 
I have been in continual communication with M & T and was assured that I was not to make payments until notified by them. Every time I spoke with M & T I requested the mailing address be updated to the property address. The first request was in XX/XX/XXXX this was completed on XX/XX/XXXX. Correct address XXXX XXXX XXXX XXXX, XXXX , KS XXXX. 
Since I was never notified the account had been moved from bankruptcy back to a regular account the payments were late. 
I was notified on XX/XX/XXXX, that a fraudulent Cease & Desist was put on the account in XXXX and that is why they were unable to call and follow up on the change in status. 
I have been in contact with M & T since XX/XX/XXXX to have my credit report updated and the late payments removed. 
On XX/XX/XXXX XXXX XXXX informed me the credit dispute had been closed without anyone contacting me to verify the information the customer service representative had entered was correct.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NY)

I receive a hard inquiry on credit score on XX/XX/2024 from Goldman Sachs bank for credit card and on XX/XX/2924 an attempt was made to open account with Goldman Sachs XXXX and Goldman Sachs Apple Card. I did not authorize or recognize this information. Its fraudulent and identity theft.
Consumer complaint received 2018-06-01
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. (TX)

On XX/XX/XXXX, I sent Equifax proof of a document with a dispute. Equifax is reporting I have 3 late payments on student loans ( Dept.of Education/XXXX ). According to FCRA Section 623, Equifax is in violation ( if they refuse to correct information after being provided proof of inaccuracy ). They sent me a letter XX/XX/XXXX saying it was verified. But how is that? The document I sent was a income based payment agreement from the Federal Student Loans.Gov, which is over all the student loans.I know for a fact because I just did another one recently. Equifax is reporting 3 late payments on a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ). 
Equifax has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes.
Consumer complaint received 2024-04-09
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (NY)

Call companys regarding missing money from my account company supervisor took my complaint and closed the card for fraud in the amount $ XXXX XX/XX/XXXX and sent another card to me express and XX/XX/XXXX card was canceled.My card is still canceled on XX/XX/XXXX Social Security Benefits was deposited to my account I can not access my money I need my money I am on fixed income.when I called the put you on hold for one hour called everyday I need my money now this absurd I worked for my benefits. Went SSA no help attitude problems
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've requested several times for the 30 day late payment on my XXXX XXXX XXXX account and in it's place the remark paid as agreed. I even provided them with the letter that XXXX XXXX XXXX sent me stating that my account was paid as agreed and closed. Because of this inaccurate remark it's caused my credit score to drop XXXX points. Which has caused me not to be able to get a mortgage on my home that I own outright. I have already told them that it needs to be corrected and they have not removed the 30 day late payment. The account was paid off 20 months ahead of schedule. If they don't remove the 30 day late payment and change it to paid as agreed I'm going to sue them for defamation. I'm tired of dealing with them on this.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK (OK)

Funding from the XXXX XXXX XXXX XXXX were sent to Midland Mortgage and were not utilized properly. These funds were to be applied to offset the amount owed from a Covid Forbearance. However, the funds were held over 90 days, the allotted time in which they should've been applied. By withholding the application of these funds, it has forced me into a modification of my loan resulting in a higher monthly payment, higher interest, longer term, and overall price of our loan/home has increased. My original payment has increased from {$1000.00} a month to {$1200.00}. This is a significant change and creates a hardship. This is entire situation is fraudulent and needs to be rectified immediately. Midland Morgage/MidFirst Bank should be investigated, no telling how many others have been affected in the same manner. Reputational Damages will result from this, and I will be seeking the advice of a Lawyer. 

They are very poor with communication. I have not received any communication regarding this issue in over 8-9 months possibly longer.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Experian decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of items that need to be removed from my that are unknown to me : 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 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (SC)

Initially the XXXX credit card enabled rewards to be redeemed for cash back. Recently, they change this so that users can only redeem rewards in exchange for XXXX cash. However the system is currently not allowing this redemption to take place. As of right now, I have over {$300.00} in rewards cash I am not able to redeem in any way. I have contacted the company repeatedly with no resolution.
Consumer complaint received 2015-04-23
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (AZ)

My day began here at work on Tuesday XXXX XXXX, 2015. I got a call where I work not sure at what time exactly but it was an early part of my day. The receptionist contacted me and said it was an emergency call with urgency, making me think XXXX of my family members were in trouble or something. I get to a phone to take the call and it was a solicitor debt collection agency contacting me about my matter. I went over details with them to acknowledge my debt and all. After I concluded with them all while I 'm still at work. They follow up with me next day the XXXX and I 'm at work busy but they just expect me to go out of my way and drop everything to go over my debt again. Persistent as it seems I walk by the receptionist desk and they mention they keep calling where I work not exaggerating but XXXX times. As pursuant as possible those calls continue on.
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MN)

My family sent me funds to my account and the funds was placed on hold multiple times I contacted the company in regards to this issue they told me the back office was handling the issue, I received an email stating my account was being closed and my funds was being held for 180 days. I feel like if my account is being closed my funds should be released. PayPal is scamming their customers!!!!
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX of XXXX i have reached out to XXXX XXXX XXXX XXXX  about the late payments on my credit report. I also disputed it with all 3 credit bureau and XXXX XXXX still has not change my credit report. My credit report is showing inaccurate information.XXXX  XXXX my credit report state 30 days late i paid my mortgage on XX/XX/XXXX and XX/XX/XXXX report stated 30 days late again my payment was paid XX/XX/XXXX. I have provided proof of payment from XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

I have called Mohela multiple times with being on the phone waiting for hours and no one has ever picked up the phone. I received one time an email that a supervisor will call me back. Months later still waiting. Since transferring from XXXX to Mohela. I have calledover XXXX times and waited on hold for hours. This servicer is awful as a Borrower I have questions regarding Pslf Idr etc. The only way to contact them is through email and the responses do not answer your question please help
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Debois, Inc. (OH)

I acquired a vehicle from abc motor credit financed by dbs financial, I was given XXXX days to make a XXXX $ payment but the vehicle was taken the next day to XXXX XXXX and I live in XXXX. After speaking with the company ( Dbs financial ) I was told that the tow would be XXXX $ or XXXX $ to retrieve my belongings from the car I didnt have the car a month and the vehicle had never been serviced the young lady that worked for dbs stated to me that it was my fault for buying a lemon ( quote ) now they are stating I owe XXXX for a XXXX XXXX XXXX car with XXXX miles and was not maintenanced. This feel so wrong.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treaty payment on a credit card account under an open end consumer credit plan as late for purpose.

this is exactly what it say. a
Consumer complaint received 2017-01-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

Carrington Mortgage services changed their payment address for bankruptcy accounts and did not inform their customers. I never received notice that my payment would not be received. When trying to understand why they did not contact me, all I received was the statement " because of the bankruptcy ''. This is an unfair practice and has exposed me to fees and possible failure to submit payments on time.
Consumer complaint received 2016-08-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (KY)

I have tried to send numerous letters disputing inaccurate information reporting to my credit reports, I got the letters back saying the address on file is incorrect. I sent them certified mail with receipt. I have copies of the letters, it 's to the collection accounts on my credit reports. The addresses and information is incorrect, I tried contacting the credit agencies but I have n't had any luck with them. I keep getting responses back telling me that the information on my credit file is correct when the information they send me is n't correct the addresses that is being reported is incorrect. I used google to locate a address for some of the accounts on my reports that listed a number with the address. This should be removed off of my credit reports due to inaccurate information on my credit reports, this is on my Transunion Credit report and XXXX credit report. XXXX reports have inaccurate information on them.
Consumer complaint received 2016-12-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AZ)

I recently paid off my loan on XXXX/XXXX/2016 due to refinance. I have asked for corrections to be made prior to the loan being paid off which did n't happen. My XXXX/XXXX/2016 payment which was sent on XXXX/XXXX/2016 did n't get credited to the account until XXXX/XXXX/2016. The company provided an updated payoff after the payment posted. I have contacted the service provider several times with no resolution. XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 ( phone finally reached an individual ) XXXX/XXXX/2016. They have accrued interest in the amount of {$410.00} which should be due back to me, and collected PMI for XXXX 2016 which should not be due. The loan was paid in full on XXXX/XXXX/2016. Please help me obtain resolution on this I 'm at a loss on how to work with this company. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (TN)

A company called SOURCE RECEIVABLES MANAGEMENT placed a tradeline on my consumer reports in connection with an alleged debt they have not sent me any information on, and I was not given the right or opportunity to dispute this alleged debt. This agency is in violation of 15 USC 1692c, 15 USC 1692d ( 1 ), 15 USC 1692e ( 10 ), and 15 USC 1681s-2. I was not provided the chain of assignment, Papertrail as proof that I have used this account, a contract bearing my wet ink signature, whether this account has been reviewed by an attorney, or whether there is insurance on this alleged debt.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

Received an email on XX/XX/24 that my account had transitioned to MOHELA 's new platform. I checked the account and saw that there were no payments. I paid {$1000.00} on XX/XX/24 and called to make sure it would be on my new account during the transition because they do not allow access to old accounts anymore. They confirmed that my money would be there. My new account had no payments on it. I called MOHELA on XX/XX/24 and they said there was nothing on the new account and they can not check my hold account to see where the money went. They said they could not confirm where my payment went and said it would take 5-10 business days to hear back. I told them that if my old account no longer exists then how are they still taking money out? I also asked if she could help me find my new account number and she said she did not know the answer to either of those questions. I asked the lady if she could stop my upcoming payments and she told me no and that I needed to go to my bank and have them move the payments to the new account. The bank can not do that.
Consumer complaint received 2024-02-18
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aspen Yo LLC (FL)

gregory funding is my company from my house when the pandemic I couldn't pay they gave me XXXX months of help after XXXX years they want to let me out of my house and they want to set up payments they promised me that they would put the balance on the principal and now they want the payment total and I can't pay everything I asked you to help me but you don't want to thank you I hope you will help me I want to make payments but you don't want to after XXXX years without arrears thank you
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have been applying for a XXXX XXXX over a month now ; I was denied because the TransUnion score shown to the lender states XXXX, whilst all the other credit monitoring apps state that the TransUnion score is around XXXX. I have been trying to get an official copy of my Credit Score with TransUnion ( {$0.00} value price ) and it has not proceeded. The website referred me to their chat, where they recommended I use a different payment method and it still does not proceed. Both payments were reflected on my cards, yet they sent me screenshots of their system stating that it was canceled ( on their end ). Then, they gave me the following phone to obtain my Credit Score ( XXXX ) XXXX where the operator said he could proceed with the request but they will not honor the valued price. I will not give it a third chance when it has failed twice in a row, and nevertheless at the regular price, plus having to wait XXXX business days when online it is instant.