davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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: CITIBANK, N.A. (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY CITI CARDS/CITIBANK Account XXXX XXXX {$300.00} Balance po box XXXX, XXXX XXXX SD XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2022-02-22
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. (FL)

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX  XXXX BANK XXXX XXXX XXXX Balance {$590.00}, XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021, FACTUAL DATA Inquired on XXXX XXXX, 2021 are reporting on my personal credit file with ( XXXX XXXX XXXX XXXX XXXX. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2022-02-22
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. (FL)

XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$830.00}, Original creditor : XXXX Balance XXXX, Original creditor : XXXX Balance {$1100.00}, Original creditor : XXXX Balance {$1000.00}, Original creditor : XXXX Balance {$710.00} are reporting on my personal credit file with ( Equifax/XXXX ) credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

Because I was a XXXX right out of college, I had to defer my student loan payments and was crushed with tons of capitalized interest and extra fees. I have been paying loan off since 2014 and I am getting no where. It 's now over {$50000.00}.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

I opened a checking account with Bank of the West in XXXX, California on XX/XX/2020 with the {$250.00} new account bonus promotion. The banker and the branch manager confirmed I would be eligible for the new account bonus and I went ahead to open an account with them. I have then met all requirements per terms and conditions. However, the bonus was never posted to my account. I reached out to the banker but was told I was never eligible for the promotion.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (LA)

I received several emails today from Wells Fargo thanking me for my application and welcoming me to their checking account service. I did not apply for a checking account. They used my social security number and birthdate and my personal email address.
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XX/XX/XXXX, following website directions, we filled out a request for a payoff statement on the XXXX XXXX website for a payoff date of XX/XX/XXXX. We received no response. 
When the payoff date passed, I called the consumer line for the company and was assured by " XXXX '' that he would email a payoff statement to me the next day at the latest for XX/XX/XXXX. Again, we received nothing. 
On XX/XX/XXXX I sent a letter overnight to the appropriate address on the back of my statement requesting a payoff date of XX/XX/XXXX. I advised we would file a complaint if we did not receive a response. We have not received a response. 
The delay is costing us interest on the mortgage and my understanding is that the company is required to acknowledge our request within 5 days.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MO)

Received letter dated XXXX/XXXX/2016 'last ACH payment returned unpaid '' & to contact loan counseling dept. 

According to my XXXX : XXXX/XXXX/2016 Payment processed for {$820.00} from your XXXX account XXXX XXXX XXXX. 
Estimated arrival date for this payment is XXXX/XXXX/2016. 
XXXX/XXXX/2016 Single payment to Bayview Loan Servicing was scheduled to be processed on XXXX/XXXX/2016 for {$820.00} from your XXXX account XXXX XXXX XXXX. 

XXXX # : XXXX This is happening for the second time & Bayview still has n't explained how they XXXX up the first time.
Consumer complaint received 2022-02-22
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. (GA)

On XX/XX/2022, I sent written disputes via USPS mail in regards to unknown accounts reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with USPS demanding that these unknown accounts be removed from my consumer report immediately. However, it has now been over forty-eight ( 48 ) days and I have yet to receive any correspondences regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the unknown accounts reporting are impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am requesting for you to immediately remove the unknown accounts listed on the dispute letters or I will take further action and pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Elite Financial Services, Inc. (MO)

Rented an apt from landlord for 5 years and on XXXX of 2011, the complex had a fire, set by an XXXX who fell asleep while cooking something that morning. After talking to the landlord, I informed him of moving. It was a total inconvenience, and I was n't safe living there. There was no power, electricity, water, or heat. He said if I break the lease, I 'll get jail time and sued. It was thrown out of court, and the landlord agreed to remove from my credit. It never happened, it 's still on my credit today!
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone in early XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXXloss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, On XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called ) I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the federal credit 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 604A section 2 also says a consumer reporting agency can not furnish an account without my written instructions there 15 USC 1666 section b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (KY)

Barclays keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account numbers XXXX and XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I'm happy to used Paypal with my online transactions as a it is where my clients send their payments. I'm doing short intro, video teaser or video promotions for my clients.. But suddenly they limited my Paypal account and they email me that I can no longer used Paypal because they noticed some activity in my account thats inconsistent with their User Agreement. Without specifically mentioning what user agreement I violated. They limited my account. Email is the only way for me to reach them but I dont received any reply from them. I was saddened with this because this is where my clients send their payment and it's affecting my business. I loved using Paypal. Hoping that they reconsider.. Thanks!
Consumer complaint received 2022-02-22
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. (FL)

XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$0.00} is reporting on my personal credit file with ( XXXX ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2016-11-23
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIRSTBANK (CA)

I had XXXX separate purchases that I made through XXXX using my bank card. I was unaware the the purchases I was making were out of the country and not being payed the proper way through XXXX. When I never received my items I called XXXX to dispute the charges. They advised that since it was paid as a freind payment ( which I di n't know ) I would have to got to the bank and cancel it with them. I went to my 1st bank branch in XXXX ca. and I signed an affidavit for the XXXX charges XXXX and XXXX. the bank then reversed the charges to XXXX and put it back in my acct. XXXX at that point put my acct in the negative. XXXX then opened a dispute for only XXXX charge the XXXX and after they opened it the 10 days went buy and the dispute was closed in my favor and XXXX gave me the money back for that XXXX charge. All good Now we have the second charge XXXX. I can not get XXXX to open a dispute so I can go the 10 days and get it out of the negative. I have called XXXX several times and they advised that they see the money being taken by 1st bank but they only have a dispute from the bank for XXXX charge. I have called the bank several times and they advised that they should have all the paperwork to open a dispute from the first filed paperwork. The bank refuses to resend it. The last time I talked to my bank they advised that there is now a 3rd party bank involved because it was a international charge ( which I did n't know either ). But that is on XXXX end. If they open a dispute and find in my favor then they will have to go after the XXXX and XXXX. That should have nothing to do with my end.
Consumer complaint received 2020-01-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (DC)

On XX/XX/XXXX, I filed complaint number XXXX with the CFPB against LoanCare. LoanCare failed to provide any details with regard to the proposed loan modification in its letter dated XX/XX/XXXX. I needed to understand the terms of the loan modification before acceptance. LoanCare delayed its response to my CFPB complaint and did not respond to my complaint until XX/XX/XXXX. After receiving LoanCare 's letter of response on XX/XX/XXXX, I signed the Trial Payment Agreement form and sent this information by XXXX on XX/XX/XXXX. LoanCare received my letter on XX/XX/XXXX ( XXXX  tracking number XXXX ). In the interim, I made a trial payment in the amount of {$1500.00} on XX/XX/XXXX by XXXX. On XX/XX/XXXX at XXXX XXXX, I called LoanCare and spoke with XXXX ( ID XXXX ) who said that my loan modification was denied in XX/XX/XXXX because I took too long the respond. However, I did not receive a letter of response to my CFPB complaint until XX/XX/XXXX. I was in a car accident on XX/XX/XXXX and sent medical documentation to LoanCare in the same XXXX  envelope as the signed Trial Payment Agreement. It was received on XX/XX/XXXX ( XXXX  tracking number XXXX ).
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XXXX XXXX, 2017, I discovered Creditor, MABT/ContFin ( XXXX XXXX Credit Card ), and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Equfiax XXXX ( XXXX Credit Card ) Item Status : Item latest removal were on XX/XX/XXXX and XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 

As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques (CA)

This company is trying to collect a debt from me even though they do not have a contract to do so. I have asked them to show me the contract and they refuse to produce it. How can I know the terms of the debt repayment as far as fees, interests, and various costs go if I do not have a copy of the original agreement? Producing monthly billing statements is not enough and establishes that they do not have a contract and that one may exist, but they for sure do not have it in their possession. I want this harassment to stop. I am a XXXX citizen and this is causing me a lot of anxiety. I do not know why I am spending so much time trying to fix the mistakes of this company.
Consumer complaint received 2022-11-21
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: Bliksum, LLC (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : LOANME INC XXXX Date Opened : XX/XX/20 Balance : {$0.00}
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: INVESTORS BANK (NY)

I went to the branch to open an account they opened me a wrong Account with a monthly fee I dont want this I want u style  checking which avoids the fee with meeting a balance of {$1000.00} daily this is not fair and not what I requested I called customer service they told me to visit a branch ridiculous they cant change the product type
Consumer complaint received 2022-02-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, US dept of ed Account # XXXX, US Dept of ED Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, US DEPT OF ED Account # XXXX, US DEPT OF ED Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # has 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 2016-06-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My main issue is stemming from the fact that I applied for a Refi from my Lender and it was completed. After the XXXX Mortgage was Paid in Full the Lender went into my impound acct and took out a PMI payment after the Loan was already showing as paid in full. I was under the impression that the Loan Payoff would have included any and all associated costs with the mortgage. It makes no sense to me that you would pay off a Mortgage and then get a bill for PMI. The Lender stated that the PMI was paid in arrears however at Loan Origination I paid a full year in advance so it seems like it changed at some point. The Lender also failed to obtain the correct amount that was due for Taxes and after the Settlement of the Refi they went back into my impound account and took out money for Taxes that should have been included in the Closing. The Lender has researched and basically stated we have no recourse and tough luck. I do not agree and feel that the Lender is underhanded and not transparent in their transaction not to mention that {$7000.00} in fees to Refi your own Mortgage is predatory. I mean really how can you charge and Escrow and Sub Escrow Fee and then charge a Courier Fee and then another Fee for XXXX. I was under the impression that XXXX was a Courier.
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I was told at closing that my payments would be around XXXX. Then I was switched to Mr Cooper and they charged me for insurance that I already had. They charged XXXX the amount. Then my payments went from {$1300.00} to {$2800.00}. I have already depleted my savings. There seems to be mismanagement with the funds and escrow funds. I need help fast
Consumer complaint received 2022-02-22
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. (NJ)

XXXX XXXX, AC # XXXX, DO:XXXX/2016, Amount {$1200.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.