davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I XXXX XXXX, have come under extreme scrutiny for the false representation of a XXXX  account # XXXX. Not only were my rights to privacy breached these consumer credit reporting agencies Equifax and XXXX exploited my character and have furnished incorrect and inaccurate information on my consumer credit reports. Not only that, I will attach proof that the account under the creditor XXXX has not been validated as stated in the response from the company themselves! I have been disputing this account since last year and it has come to my conclusion that these companies think they are just above the law in which I need to just take them to federal court and file a lawsuit. Please see the attached documentation pertaining up to this point before we are onto the next step in federal court.
Consumer complaint received 2023-01-20
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. (AZ)

I was identity thefted, I sent all reports and exsperian refused to fix my report and has refused to help me for years now. I've told them over phone, online, and mail what's wrong on my credit report, and I have emails proving rhe refused to help me after a thousand disputes and complaints I've still having issues, it has caused me to be homeless, to loose everything They refuse to remove fraudulent accounts from my report and refuse to fix my name, ive sent paperwork over a hundred times. The yve called me a liar.
Consumer complaint received 2023-01-20
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)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ' XXXX XXXX XXXX XXXX XXXX, CA XXXX ' XXXX XXXX XXXX XXXX  CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... Balance : {$0.00} ' XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXXXXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ' XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date filed XX/XX/XXXXXXXX  XXXX XXXX XXXX bankruptcy discharged Filed on XXXX XXXX XXXX  Reference number : XXXX Court : U.S. Bankruptcy Court
Consumer complaint received 2020-08-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I had a Wells Fargo account during the years of 2011-2020, or the time period outlined in their latest class action settlement agreement. I want to be included in the settlement disbursement. They mismanaged funds, charged overdraft fees on purchases that should have been covered, misrepresented a line of credit as an overdraft protection program and charged me {$5000.00} worth of overdraft fees and other charges up to the limit of a line of credit I was not aware that I had. They are fraudulent and should be made to pay more restitution than they are but I want at the very least to be compensated for their gross mismanagement of my money.
Consumer complaint received 2016-06-27
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am letting you know that another event has happened in case XXXX in the case of XXXX and citizens bank as XXXX XXXX graciously explained in his very poignant letter i did agree to close the account for the sum of the outstanding balance but no one not even my XXXX with whom i was counseled i, n order to get the equity loan, told me that i would have to forfeit the whole thing upon refinanxcing When i did close ti was not with an attorney but a bank manager and he did not disclose that if i closed it i would be charge a prepayment penalty of XXXX i have left XXXX XXXX, office of the chairman at XXXX XXXX but he did not respond I left another message on XXXX/XXXX/2016 but his maibox was full in summation, i would like citizens to send me a check of XXXX plus interest
Consumer complaint received 2020-08-06
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. (NY)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

Fraudulent charges for added services were made by XXXX XXXX  XXXX XXXX for services unknown, not understood, and not to my consent. This collection has been opened through other previous collection agencies and has been removed twice from my credit reports. Now Aargon Collections Services has contracted this collection and claims this is verified. This is not a rightful collection and I refuse to ever pay this fraudulent debt ever. They are repeatedly calling my phone with a robot dialer harrassing me while at home and causing interuption at my work place.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  THE FOLLOWING ACCOUNTS XXXX 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX  have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AE)

My name is XXXX XXXX XXXX XXXX, I have consolidated loans through NAVIENT, account # XXXX. I am a XXXX serving since XX/XX/XXXX. Currently, I am overseas, address XXXX XXXX, XXXX XXXX XXXX. During the course of my military service, I XXXX, to wit : XXXX. I 've already serviced the debt of XXXX Stafford Loans ( unsubsidized/subsidized ) and XXXX private law loan. I am presently indebted to make payment on XXXX consolidated loans for a total of {$36000.00} in principle@3.5 %. Since I served in XXXX, my federal student loans would have qualified for a 0 percent interest rate during XXXX, as they occurred after XX/XX/XXXX. My understanding is this benefit can be applied retroactively, and so, I would like to be relieved the value of any monies accumulated through interest erroneously applied to the outstanding loan ( s ) through an appropriate adjustment. Additionally, I request an accounting for any of the referenced retired loans/serviced student loan debt. Specifically, I ask that these past obligations be examined to determine whether a recoupment action is appropriate for overcharging any interest applied to principle that was charged for the referenced periods. Should monies be owed, these amounts should be returned to the barrower in full. Lastly, it has been extraordinarily difficult reaching customer service via telephone while overseas. Automated services frustrate efforts at communication because program seemingly incapable of processing complex speech-based inquiries ( also necessitates paying international service charge rate ; inefficiency creates more expenses for Servicemember barrowers attempting to resolve matters ). Next, I 'm seeking clarity on whether my outstanding student loan debt qualifies under the Public Service Loan Forgiveness ( PSLF ). I have served on XXXX for more than 10 years, and previously a customer service representative suggested my loans would not when raising the concern.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX continues to not report correctly each month Missing data. XXXX XXXX XXXX has not reported the open or close date or status to transunion.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Hi good day, please help me to resolvemy problem. I'm using my Paypal Account since XXXX and then one day they send an email that's say 's " You can no longer do business with PayPal ( Ref ID - XXXX ) '' on XXXX XXXX Paypal is the only way that I know to get the payment of my customers. I begging you please help me thank you and godbless.
Consumer complaint received 2023-01-20
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$70.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (NC)

I applied for an Axos checking account on XX/XX/XXXX. Further information was requested and provided on XX/XX/XXXX. Axos requested a phone call to confirm my identity and this was scheduled with their representative XXXX XXXX on XX/XX/XXXX. I emailed XXXX and did not hear back. 

I sent a secure message to Axos through the application portal and a separate email to their email XXXX on XX/XX/XXXX. In both messages I inquired about the status of my account and informed them a representative had stood me up on a scheduled call. I received an automated email on XX/XX/XXXX informing me my message was being forwarded to the appropriate department for review. I did not hear back from anyone regarding my message. 

On XX/XX/XXXX, I received two secure messages in my application portal within seconds of each other. The first requested a contact number ( which I had provided in my application ) and the second message stated that my application was closed as I did not reply to requested information. 

The customer service of this bank is ridiculous. It impacted me opening a checking account and being able to timely pay bills. I don't know why this bank has such wonderful reviews in business articles.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2020 we completed a refinance of our primary residence. Mr. Cooper, our old mortgage company, issued a payoff statement dated XX/XX/2020 to our title company, XXXX XXXX XXXX. On the day of closing, XX/XX/2020, Mr. Cooper paid our Homeowners Insurance from our impound account. There was a {$230.00} shortage in our impound account and the Title Company 's payoff wire transfer was refused by Mr. Cooper for this reason. We were contacted by the Title Company on XX/XX/2020 and advised to contact Mr. Cooper and pay the {$230.00} shortage so that the wire transfer could be accepted. We contacted Mr. Cooper on XX/XX/2020 and agreed to pay the shortage from our checking account that we were already using for our auto payments of our mortgage. XXXX XXXX, the Mr. Cooper representative completed this transaction over the phone, telling us we were paid in full and that this would take care of the shortage ( we have an audio recording of this phone call, and we received their permission to record the call. ) We were contacted on XX/XX/2020 by XXXX XXXX, Legal Counsel at XXXX XXXX XXXX XXXX, saying that the wire transfer had again been refused. We contacted Mr. Cooper and were told that the payment was never received and that we are now responsible for late fees and that we are delinquent on our mortgage payments with them, resulting in thousands of dollars. We have been back and forth with Mr. Cooper on multiple occasions, along with XXXX XXXX XXXX. Mr. Cooper has returned the wire transfer payoff at least 4 times to XXXX XXXX XXXX and XXXX XXXX XXXX keeps sending the payoff back to Mr. Cooper. We have escalated this issue to the Research Department at Mr. Cooper, and then the Customer Relations Department at Mr. Cooper, but from the latest response we received dated XX/XX/2020, we are more confused than ever. Mr. Cooper has obviously refused to listen to the recording from XX/XX/2020 when we agreed to pay the shortage. In paragraph 4 of this letter they say " our records do not reflect the amount of the {$230.00} that you stated you paid to XXXX XXXX. '' We authorized to pay this amount to Mr. Cooper, not XXXX XXXX XXXX. If they would listen to the phone conversation, they would realize this. We have 2 loans on our home, we are thousands of dollars behind due to penalties and interest on our old mortgage with Mr. Cooper, and no one at Mr. Cooper is able to understand what has transpired to bring this to a satisfactory resolution. We have attached the audio recording from XX/XX/2020, which clearly states that they had taken the payment of {$230.00}, reported to us by XXXX XXXX XXXX, from our checking account that would satisfy the escrow shortage. We have also attached the XX/XX/2020 letter from Mr. Cooper.
Consumer complaint received 2016-04-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ceannate (IL)

At approximately XXXX on XXXX XXXX, 2016, an agent of FMS called me ( http : //www.fmsdc.com/ ). They said I was listed as a reference for a family member and needed my family member 's contact information. They said my family member gave them my contact information ( misrepresentation # 1 ). I asked if they were a collection agency and they refuse to confirm nor deny ( misrepresentation # 2 ). I asked to speak to a manager and I was told the manager 's name was XXXX XXXX. They gave me their mailing address which was different from their website address. According to the Fair Debt Collection Practices Act, FMS clearly had the intention to misrepresent to me they were an agency hiring my family member. When asked point blank if they were a collection agency they would not affirm. Their website is clearly a debt collection agency. This is not the first time the agency has called me requesting information. Additionaly, to note, I researched the company and the Former Governor of Maine, XXXX XXXX, has an interest in the parent company.
Consumer complaint received 2020-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Offices Howard Lee Schiff, P.C. (ME)

The Law Office of XXXX XXXX XXXX placed a lien on my property located at XXXX XXXX XXXX. XXXX ME, XXXX. This was done on behalf of XXXX XXXX for a credit card debt of {$10000.00}. However, my interest in this property does not exceed the statutory maximums and the residence is therefore exempt from attachment under 14 M.R.S.A. 4422 ( 1 ) ( A ). They were notified of this on XX/XX/2020 and was given 15 days to remove the Lien. As of XX/XX/2020 they have given no response.
Consumer complaint received 2020-08-06
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)

XXXX XXXX XXXX was paid completely off on XX/XX/2020. The payment was made directly to XXXX from my insurance company. Equifax is allowing XXXX to report erroneous late payments to my credit file for XX/XX/2020 and XX/XX/2020. This account was paid in full on XXXX in the amount of {$18000.00}. There is no further payment due. There were also no late payments in XX/XX/2020 or XX/XX/2020. I have the documentation as I am not sure what is wrong with the data on this account through XXXX.
Consumer complaint received 2020-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (LA)

This complaint is relative to the existing pandemic, an obvious loss of income, and Ally Financial forcing us into an agreement to make THREE full payments of {$460.00} in less than 60 days. If scheduled payments fail, repossession is the ultimate outcome. It's quite obvious that the poorer people of color and seniors are targets. Is the government doing anything to assist, maybe mandating ( lower ) payment arrangements or some form of workable installments? It's already been ruled by the federal government in previous court cases that XXXX Americans, XXXX, etc, are automatically given auto loan payments that are at minimum {$250.00} more than that of XXXX. Who's monitoring that? Are we to sacrifice food, meds, housing and the like to keep our vehicle? One might say turn over the vehicle if we can't afford the payments, but where is the human factor based on a pandemic we too never asked for? Something needs to be done and sooner than later. The added stress is unspeakable.
Consumer complaint received 2016-04-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

FIA Card Services was collecting on a credit card I had from BofA. FIA sought a judgement and won. I later settled the judgement yet it is still showing on my credit report as not satisfied. I have contacted the credit bureaus and can not get it removed or at the least correctly reported.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

XX/XX/2020. 

Process server trespassed into the apartment building. Came in behind one of my neighbors and knocked on my door and left legal papers outside my door. The process server did not identify himself and was harassing my neighbor asking them more information about me.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I first filed a complaint with the CFPB XX/XX/15 in reference to my Wells Fargo home loan. I had repeatedly applied for a loan modification and or forbearance. I supplied Wells Fargo with endless amounts of documentation in support of my request and I was repeatedly told " I didn't qualify '' for a loan modification. Reasons given included ; 1. I made too much money 2. I made too little money.

3. I hadn't missed any payments and they couldn't work with me until I stopped making payments 4. They didn't have my documents, or my documents weren't correct In the end I lost my house to forcloser in late 2015 as a direct result of Wells Fargo 's unwillingness to work with me as is required. Instead, they intentionally delayed, deferred, and misdirected me with the express intent to cause me to lose my home. The home was sold at auction, and we lost everything. Per the recent settlement over this type of harmful behavior on the part of Wells Fargo I feel my family and I are due consideration for our damages.