davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

I received notice from the United States Bankruptcy court of New York on the face that Ditech XXXX XXXX filed for Chapter XXXX bankruptcy. I have seen on the document that Ditech sent me that the balance of my mortgage is XXXX. I have also noticed that the interest rate that I am being charged is 4.75 % ( which is above the market rate ) and the term is 30 years. I have a concern that after making 3 payments that the actual trial payment for the last 2 months was a total of XXXX per month. After reviewing my records I found that my original payment for the last 7 years was XXXX per month. Based on the payment they have given me I am now XXXX over my old payment. This is not what the modification regulations state, it was supposed to get me an affordable plan and lower then what my old payment had been. Ditech has received XXXX as a partial claim on my FHA mortgage insurance and yet they have made my payment higher then the old payment. I have enclosed an amortized plan using 4.25 % which is closer to today 's current market rate of 4.00 %, I also extended the term from 30 to 40 years which can be allowed as per modification regulations, this reduces my payment by XXXX per month and puts my modification on a permanent basis below my old payment, this is what a modification is supposed to do. 
When I contacted the Bankruptcy Court in New York and told them about my modification, the fact that you Ditech has received a large sum of the mortgage from FHA ( XXXX ) and that they increased my payment instead of reducing it I was told to send this letter requesting a reduction and to fill out their bankruptcy claim form and include a copy of this letter.I was also told that if my payment was not reduced, i was to activate this claim and send a notice to the United States Bankruptcy Court XXXX   District of New York.
Consumer complaint received 2022-04-25
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. (MI)

In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX Account # XXXX State of Michigan Child Support- Account # XXXX, XXXX 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 2020-02-07
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. (MA)

Yesterday, Thursday XX/XX/XXXX I received many more things : first a total of 8 mailings from XXXX 4 modification offers and 4 Right to Cure letters on a HELOC which should have been terminated when my home was ILLEGALLY foreclosed on on XX/XX/XXXX. Also, I received the attached credit report from Equifax dated XX/XX/XXXX ( see attached pg 9 ) showing ( all of a Sudden ) the account that has for 30 yrs been listed with Equifax as being a XXXX  account, with also the name XXXX  XXXX   attached to it. Now, it is on this report showing no mention of XXXX ( for first time in 30 yrs on these reports ) in relation to this illegal foreclosure see page 9 of this credit report. Here only XXXX  XXXX  is listed as owner with also a new name attached to this " account '' at the top of that page 9 now showing XXXX XXXX XXXX!! for the first time claiming to be attached to it. Please, see also attached a letter from a XXXX XXXX a " third party '' investor stating to have bought my home on XXXX. This XXXX or whomever they call themselves now CAN NOT do this Legally!!! THIS IS FALSE REPORTING!! and slander on my credit report!! This is beyond ridiculous, also on the attached " Assignment '' shows that XXXX from the FDIC is claiming ownership from in addition the so called Assignment that was created/recorded 25 yrs after I got my home in XXXX of XXXX. All of you need to look at and prosecute this nut XXXX and or whomever is trying to illegally take my home from me.!!! AGAIN FRAUD!! FALSE REPORTING! There are many illegal documents recorded in the Reg of Deeds in XXXX County, MA records by XXXX. On Thursday XXXX I called the resource center ( XXXX ) at XXXX  XXXX  and spoke to operator id # XXXX Jeneal at XXXX and she told me that XXXX  XXXX  does not have any files on my name, account number, or address anywhere in their records!! There are many false documents being recorded in my credit reports, as well as the Reg of Deeds AND The Land Courts by this so called Bank!! And Dual tracking! again! The attached from the XXXX  XXXX  look up also shows XXXX  XXXX  has no association with this illegal foreclosure " account '' on my home. XXXX attorney also claims to be representing XXXX  XXXX  ( crazy ) please see first page of a large file not up loadable to big, the whole file see page one attached. see first sentence of this attached letter. SO MUCH FRAUD BY XXXX!!!
Consumer complaint received 2021-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I had knowledge of this debt by checking my credit report, I disputed the information and explained that it is an account that was opened fraudulently, because this account is not mine, they sent documents saying that if it is mine, obviously account statements and documents of That guy, I told them that it proved absolutely nothing, and they did not delete this account from my credit reports, as a consequence this has harmed my life, I request that this account be eliminated because I have never had an account in CITIBANK
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

On XXXX XXXX, 2021, we were texted via Wells Fargo that there were charges that seemed suspicious, and that in order to approve these transactions ( {$XXXX} and {$XXXX} ), we needed to text the XXXX digit code back to Wells Fargo. There was also a suspicious {$XXXX} transfer from savings to checking that we had not made. We ( my husband and I ) immediately called Wells Fargo Fraud Department that froze the accounts. Wells Fargo claims a XXXX Liability policy in these situations, and we were told we would see the funds back in our account within days. We received {$XXXX} back on XX/XX/XXXX, but upon calling to follow up on the remaining {$XXXX} still missing, we were informed that they believed that we had indeed authorized this purchase via texting the code and that " Visa has rejected our claim that this was fraudulent. You will need to follow up with XXXX XXXX XXXX XXXX. The case will not be reopened ''. The representatives that we talked to began to question our authenticity, stating details of the case that had never been stated, such as, " You said you lost your debit card '' and " You transferred the {$XXXX} yourself ''. They report that the matter is completely out of their hands and that Wells Fargo can no longer assist at all. We have contacted XXXX XXXX XXXX XXXX, who has stated that this is a matter that only Wells Fargo can resolve. In making a formal complaint to the company, they assigned me a Case Specialist, XXXX XXXX, whom I have tried to call, but he has not answered his voicemail box is full. Attached is a screen shot of the texts we received when the fraud was committed and the authorization we did not provide, or there would have been a text back with the code as well as their final response to our dispute. They have never said anything about the " compelling evidence '' or provided any kind information that supports their decision to decline refunding the stolen money. 
We have also reported this incident to our local police department ( XXXX XXXX, XXXX XXXX ) which have referred us back to resolving the issue with Wells Fargo.
Consumer complaint received 2021-11-25
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Fed Loan Servicing has my loans split into three separate loans. All of my payments made have been with one check that covers all three of the loan payments, yet Fed Loan Servicing has three different certified payment amounts for me for the XXXX XXXX XXXX XXXX XXXX. I have tried to rectify this by speaking with them, but nothing has been corrected in the two years I have been trying to fix it. There are incorrect " ineligible payments '' listed. Below are the dates for the " ineligible payments '' that should be counted as correct : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX All of these are listed as either " payment received outside of the payment period window '' or " You do not have a bill due for this payment period '' For one of my loans, they are counting them, but then not counting them for the other two. They should count for all three as I only ever send in one check per month to cover all three. 

This is costing me money as I should already qualify for loan forgiveness under the public service loan forgivenes program.
Consumer complaint received 2022-04-25
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. (MD)

There were 5 collections accounts on my report, 4 of which were medical. On XX/XX/XXXX, I checked my report and noticed my collections balance increased by {$600.00}. There was a medical bill reported by XXXX XXXX XXXX XXXX for orig. creditor XXXX XXXX for {$290.00} Account # XXXX on XX/XX/2022 and another account by XXXX XXXX for orig. creditor XXXX for {$310.00} Account # XXXX on XX/XX/2022. 
These same 2 collections were added as duplicates on XX/XX/ XXXX XXXXs if they were separate accounts. This is unacceptable and decreased my credit score as it increased my collections from 5 to 7 accounts and balance from {$1400.00} to {$2000.00}. I disputed these items and have received no response or updates. This is not only Unfair credit reporting but also inaccurate and a violation of my rights. I am sure that I am not the only person suffering from this unjust behavior.
Consumer complaint received 2019-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

This is the 3rd time it has happened and this is the 3rd time I am submitting a complaint on CFPB for the same fraud attempt by Navient ... ... .. Navient has again, wrongly applied my federal student Loan payments, ( Cashiers check # XXXX, cashed on XX/XX/2019 ) for loan ID ; XXXX, XXXX and XXXX, to loan ID : XXXX. I had both written the instruction on the check and sent in a separate letter with written instructions, as they instructed, but for some reasons, they again decided to apply the payment incorrectly. 

I am starting to believe that this is an attempt from them to fraudulently apply the amount on a loan without any authorization!
Consumer complaint received 2022-04-25
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. (MI)

In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX- Account # XXXX State of Michigan Child XXXX Account # XXXX, XXXX 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 2022-01-08
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-02
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. (MO)

I sent out letters the credit bureaus to get some items investigated on XX/XX/2021. I have not got an update to this day i got nothing in writing no score change nothing as a consumer that is not fair reporting i have things I need and the bureaus are holding me up. They have been in business to long to handle business like this ...
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EOS Holdings, Inc. (MD)

XXXX XXXX placed the account on my credit report same name but incorrect social - its similar but not mine - so I believe it was fraudulently used. The EOS company is reporting on my report and its inaccurate and not my account. 

When I called they said my last 4 were not what they had but similar - and hung up on me
Consumer complaint received 2022-04-25
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. (TX)

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-11-22
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. (AZ)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

On XXXX XX/XX/2021, I sold my digital asset- XXXX XXXX include transaction fee total amount {$6600.00} in XXXX dollar in XXXX with XXXX, the buyer used PayPal for payment, after I confirmed the fund was into my PayPal account, I released the digital asset to the buyer, after 3 hours later, the buyer file it as unauthorised transaction in paypal , I have provided PayPal all the proof that The goods have been released to customer, but end up PayPal said it is unauthorised transaction and took all my money and refund to the scammer, please help me, I have find both XXXX and PayPal XXXX XXXX freeze the scammer account but he already transfer out all the digital asset and they confirmed this is a fraud, for PayPal they just simply said I am not under seller protection and close case, I have made a police report to XXXX police force
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

While applying for a Mortgage Loan I discovered a significant amount of accounts, charges, inquiries, and negative reports on all three of the credit reporting agencies ' credit reports. I immediately began disputing the errors and followed the proper procedures in getting all the disputed items cleared from my report. I have been only slightly successful and getting the matter cleared up. I have filed a FTC identity theft report and sent certified copies to each reporting agency along with some creditors and have closely monitored my own reports watching for changes. I have received several letters for XXXX, XXXX, and TransUnion using stall tactics in the correspondence stating they are unable to clear up the matters with statements like my documents were blurry or unclear, or the accounts have been validated etc. When asked to provide evidence of how they validated, I've received nothing and its been over 30+ days since sending the request. 
I feel like my legal rights have now been violated and their lack of response accordingly is now costing me several thousand dollars since im unable to obtain adequate housing and remain homeless due to low credit scores caused solely from the identity theft keeping me from gaining a mortgage. Due to the severity of the damage, its causing I want the agency held accountable for the violation of my rights and this report is only one way I plan to seek justice. I have the intent of also filing lawsuits of all parties involved including reporting agencies, credit collectors, and credit debtors and all other parties involved. 
I am hopeful this report will encourage the reporting agency to comply with the rules and laws and update my credit report asap.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (GA)

In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (TX)

i have contacted this company once i notice a negative remark on CR company has took no furhter actions on trying to assist me with this matter i have dipusted it company continues to call everyday and send invoices to family address i tired 1 last time reaching out to have them stop contacting me on XX/XX/21 @ XXXX i was adviced that calls will continue so basically i will continue to be harrassed regarding a debt that is not mine
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has sued me and has been non negotiable for the last XXXX years. I have XXXX in debt that I was unable to pay during covid, as I faced over an entire year of pandemic unemployment and for a half a year previously due to work related XXXX XXXX XXXX, and XXXX forced home relocations during pandemic and riots in XXXX XXXX . I attempted to negotiate hundreds of times over these 2 years since account closed, mostly with no answer, or weeks in between answers, answering machines. They offered to settle in 2019 for XXXX, or XXXX per month, which I did not have at that time. Hundreds of calls and offers to them later, they then said I could settle for XXXX  which I was going to pay lump sum after receiving my worker comp settlement, but had to pay doctor, medication, and moving costs to move again unexpectedly during covid and was then again unable to pay that 18k lump sum. They then said my payment plan would be set at XXXX month, with no ability to negotiate anymore, which I just can not afford. I feel like this had been years of abuse and neglect, as I wanted to pay them but in a rational livable way. I asked to settle again for their previous offer of XXXX or XXXX per month and was denied by the bank directly and by the lawyer they use. Now I am served and have to face court in XXXX, for a debt ive been trying to pay, while suffering from this work related XXXX XXXX XXXX XXXX XXXX XXXX XXXX  relocations in 1.5 years during pandemic and riots, unemployed for a year, no family support or significant other. I have no money for a lawyer and the stress of this lawsuit along with the fear of poverty and continued strain on my health is extremely damaging. The lack of compassion during covid that this bank and lawyer have shown is inexcusable and this case should be thrown completely out.