davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (DE)

My friend wrote me a check from XXXX XXXX  with {$1100.00} on XXXX. He forgot to write my name on the check. I deposit the check into Citibank on XXXX XXXX. Citibank hold the money and refused to send the money back to XXXX. I called to Citibank multiple times. They insisted to say if I want the money back to my friend, XXXX needs to claim a file on that. While XXXX said the money had been charged by Citibank. They couldn't do nothing on this. So the money is hold on Citibank and I can't get my money back to my friend 's account.
Consumer complaint received 2020-01-22
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. (VA)

On XX/XX/XXXX I disputed two accounts with XXXX that were reported by XXXX XXXX XXXX XXXX for a debt they are claiming I owe XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item first account # XXXX was deleted from my credit report and on XX/XX/XXXX I was informed that the second account # XXXX was deleted from my credit report. 

Additionally, the account numbers do not match for the original accounts nor does the amount match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Now I have discovered that the items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (DC)

I attempted to transfer funds from my M & T Bank Checking account to my accounts at XXXX XXXX and XXXX between XX/XX/2020 and XX/XX/2020. 

On XX/XX/2020, I logged online to check the status and the system informed me that my access was suspended. 

I contacted customer service at XXXX eastern time on XX/XX/2020 and spoke with XXXX, and supervisor XXXX. 

They informed me that M & T blocked the transfer, and is demanding that I provide them with full, unredacted copies of bank statements for the other banks in order to unlock my account. 

I offered to provide them the statements with the transaction details redacted, however their customer service supervisor, XXXX, refused and stated that M & T will not unlock my ability to complete external transfers unless I send in these statements. 

I consider this a major privacy violation and will not send those statements in unless I am able to redact my personal transaction information for other banks.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WI)

My ex wife refinanced what was our joint mortgage in XX/XX/XXXX. That should have happened in XX/XX/XXXX but that is a different story. I contacted Wells Fargo and they claim I am responsible for a loan that was modified by a single borrower that changed the terms of the loan. I would have never consented to the changing of the terms and would have pushed for a sale of the property instead.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

My mortgage company sold my mortgage to Mr. Copper and I've been having problems every month. I mail in or pay my mortgage on line. I'm receiving letters saying they did not received my payment but when i check my account its paid. I have two mortgages both sold to Mr.Copper. When I sent a payments in XXXX they added to the wrong account and charge late fees to my account.I received a letter stating they made the adjustment but it has not been cleared either. I made a payment in XXXX, they claim they did not receive the payment. I check with the Postal Service and the check was cash XX/XX/XXXX after I had sent a replacement check. I stop payment on the replacement check and they added a fee to my account for a dishonored check. I've made all my payments and I'm receiving letters stating my loan is pass due, and they will report to credit reporting agencies, and I could face foreclosure. I never enter into a mortgage with this company my mortgage was sold to them and its been a mess from day one.
Consumer complaint received 2019-06-27
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. (TN)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection on the XXXX  XXXX  XXXX XXXX  partial account number XXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IN)

Lexis Nexus shows a court case with unpaid rent attached to my information. 
Ive submitted 3 investigation requests to lexis nexus since XXXX regarding incorrect information theyve attached to my ssn including a notarized not one in the same form. Ive contacted the courts and theyve stated they are not reporting information to lexis nexus but the company pulls data. There is no identifying information on the court documents beyond a first/last name and address. The address is similar to one I lived at a decade prior to this issue but not one Ive occupied. Ive contacted the landlord listed on the court documents and she has stated the tenant was related to their grandchild and is in their XXXX ; has no contact information for the tenant. 

Ive spoken to countless lexis nexus representatives and have been told requests have been filed, information taken down, nothing further can be done, no one else I can speak to, no further information needed, nothing I can do. 

Last request sent XX/XX/XXXX Name- XXXX XXXX XXXX XXXX XXXX 3rd dispute. 

Never lived at XXXX XXXX XXXX XXXX XXXX IN XXXX ; I lived at XXXX XXXX XXXX XXXX XXXX IN XXXX in XXXX. 

Was never a tenant of XXXX XXXX. 

At the time of this court case, I lived in the home I own in XXXX IN and my last name was XXXX. 

I have spoken with the XXXX County Courts regarding this matter on several occasions due to your inaccurate information ; they have advised the attached form. They have stated there is no identifiable information on this court case to link this inaccurate information to me. They stated they do not report information to LexisNexis, that LexisNexis pulls information from their database. 

This was a different person with the name XXXX XXXX. I have advised LexisNexis of this error multiple times and the company has refused to correct their records. This is a libel ; the company has been advised multiple times, documentation has been provided. Cease and desist reporting of unfactual data on my report immediately. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Consumer complaint received 2020-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (TX)

I applied for a loan through One Main Financial online. I was contacted on XX/XX/2020 by email and by phone by a person named XXXX who told me I was approved for a loan of {$2500.00}. She told me I needed to come in to the XXXX Branch office to complete the paperwork and that I would receive a check at that time. I went into the office today, XX/XX/2020. XXXX took all my paper work to make copies including my license and a voided check. She had trouble verifying the check even though everything I submitted was valid. After 20 minutes she returned to the office where I had been waiting and pretty much accused me of committing identity fraud. She kept telling me that I entered the wrong Social Security number on my application and she also stated that they pulled someone else 's credit because of me. I left the office humiliated, thinking I must have made the mistake, feeling ashamed and stupid. When I got home I checked my credit report and found out that XXXX or another person, acting as an agent of One Main Financial, had in fact pulled a hard inquiry on my credit report on XX/XX/2020. There is no way they could have pulled my credit report if they had the wrong SS number ( see attached screen-shot from XXXX. ) I called XXXX after I saw this, but she continued to insist that I was the one who gave the wrong SS number.
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (CA)

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX XXXX XXXX. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX at XXXX XXXX I made a call to the Tj Max credit card Hotline to elaborate my concern of why I owe $ XXXX.I was told the call will be recorded and the representative told me that my last name does not match with what she has in her files and that If I don't give the correct last name that she can not assist me further. I tried to explain that if my first and last name does not show in her account after giving my social security then that charged should be dropped or removed immediately from my record. I mention that I don't have my TJ Max card because its been so many years and I made a small purchased that was later paid in full therefore that's when the representative asked for my Social Security.She said sorry there is nothing I can do. I find this very unusual and looks like possible identity thief or scam as I do my best to pay off all my credit card bills and have good credit. 

this is what shows in my record : SYNCB/TJX COS DC {$210.00}
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-11-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc. (TX)

I called them after I noticed that the remaining balance on my report never changed when they repossessed my car whatever they auction that car off for is suppose to be allocated towards the remaining balance not only did they not do that they can't even tell me what they did with the car or the fees that went along with the repo. I have contacted them several times regarding this issue and have voice recordings where they say they're gon na call back anywhere from 20 min to an hour and I never received a call back but the inaccurate report is causing me to not be able to use my credit to receive the business funding I need
Consumer complaint received 2020-01-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

In XX/XX/2019 I arranged to get a {$500.00} loan agreeing to pay off with two payments over four weeks .I got an email saying I owed {$150.00} which I thought I had paid it off before. I went to my bank account and theyve been taking payments out of my check for twice a month since XXXX which equaled to {$1900.00} paid back on a {$500.00} loan
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I am a victim of fraud and requesting the following fraudulent inquires to be removed from my credit profile. These fraud inquires have were never authorized by me. XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IA)

I am attempting to recertify my Income-Driven Repayment ( IDR ) plan. I have done this in past years with no problem, but this year is the exception. 

I completed the IDR recertification process on studentaid.gov on and was informed I needed to submit additional materials to my loan servicer due to my spouse 's change in income. I have had to do this before, and did not have a problem in the past. 

I gathered my income information - most recent pay stub - and my wife 's information - a pay stub and a receipt of payment for XXXX XXXX XXXX she provides - along with information regarding frequency of payment for all income and submitted it to my loan servicer, FedLoan, on XX/XX/2019. 

On XX/XX/2019, I received a notification that my IDR application was incomplete, and was further notified I would receive a letter detailing the reasons my application could not be processed. To date, I have not received this letter. I immediately attempted to call FedLoan to discuss what the problem was, only to find that their " customer service '' number is a completely automated answering system with no ability to speak to an actual human - all button choices result in the system repeating in an infinite and infuriating loop.

I drafted a letter further explaining my and my spouse 's income, explaining that no other documentation exists, and asking that FedLoan consider my narrative further documentation of my income. I submitted this letter through FedLoan 's online documentation system on XX/XX/2019. 

After a week, I had not heard from FedLoan, nor had I received the letter they claimed they sent me. On XX/XX/2019, I sent an email through the FedLoan internal email contact system, alerting them that I had not received the letter and asking that they forward it to me through email or through their electronic document delivery system. 

On XX/XX/2019, I received what appears to be an automated email response from FedLoan,  which did not address the fact that I still had not received the letter they claimed to have sent me. Instead, the email merely stated " We have received your request of an Income-Driven Repayment ( IDR ) plan on XX/XX/2019 and your proof of income on XX/XX/2019. Once your request is processed, we will send you a notice with the results. '' This email encouraged me to reach out to their " customer service department '', the aforementioned automated system with no possible human interaction. 

On XX/XX/2019, I again received notification that FedLoan was unable to process my recertification request and an assertion that a letter would be sent to me detailing why they could not continue with my request. The first purported letter has still never arrived. I then sent FedLoan a  message through their internal email contact system and demanded they immediately contact me to discuss their inability to process my request and alerted them to the fact I would be filing this complaint.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lustig, Glaser & Wilson, P.C. (MA)

In XXXX Lustig, Glase rand Wilson put a judgment on my property without contacting me of a court date. They charged me over {$6000.00} with interest. I recently received a debt collection notice from Nevada stating I owed them over {$13000.00} for this judgment. 
This debt was from my deceased husband and I from before XXXX. At the time in XXXX, I was going through XXXX treatments until aprox XXXX. I was on XXXX all the time since XXXX. I am now XXXX XXXX XXXX and in no way able to pay this debt. 
The company I received a notice from is XXXX XXXX XXXX in Nevada ... I don't know if this is legit.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I send my package for a modification under the program " Keep your Home California '' I initially paid someone to help me with the process since I didn't understand the paper work, but that person bailed out and took my money and disappeared. After multiple attemps I was able to modify my mortgage. Everything was perfect for 10 years until now. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX. their phone number is XXXX stating that my home was in foreclosure. Apperanty during my modification OneWest Bank and their Title affiliates were not transparent in a second mortgage that I had with XXXX XXXX. XXXX XXXX did my home loan in XX/XX/XXXX they gave a first and a second loan. XXXX XXXX sold the loan to INDYMAC and then INDYMAC sold to One west. I went to One West for my loan modification on XX/XX/XXXX Indymac Loan number XXXX and Investor Loan number XXXX. One West and their title affiliates did the modification without clearing a Second mortgage that had disapeared for years. I mean disapear because they did not contact me via mail, email, Phone calls or text. The only communication i received was the letter dated XX/XX/XXXX with a foreclosure document attached. 
I was just informed the 2nd loan of {$49000.00} was never included in the modification and as a result I have received a notice of default on XX/XX/XXXX. 
However, In the pass 10 years I never received any notices by mail or collection calls that had anything to do with the 2nd loan being defaulted. 

When I purchased and refinanced my home I had no Idea what a preditory loan was until my mortgage began to fluctuate. This was when I was forced to modify and I thought that I was under protection with my first loan and my second mortgage. Now I learn that the second mortgage went dormant possibly to wait for equity on my home and come back as another predatory lender seeking to take my home away thru foreclosure. Again XXXX XXXX XXXX did not contact me at all for 10 years I dont even know who they were until now. 

I do not want to loose my home I want this to be over.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (IN)

In XXXX I lived in an apartment complex called XXXX XXXX. My job as a XXXX XXXX requires me to travel and be away from home. On XX/XX/XXXX I came home to my apartment that had been destroyed. My jewelry and purses were stolen along with my laptop and TVs. My patio door was open and my front door was also open. I immediately called the police to file a police report about the break in. The apartment managers didnt seem to care. They mocked me and stated shouldve had renters insurance. I stayed in the apartments a few more months and decided to leave before XX/XX/XXXX. The apartment managers said it was okay for me to move out since I didnt feel safe and told me I didnt owe them anything due to the circumstances. In XX/XX/2016 I noticed a bill almost totaling {$1800.00} ( collection account ) on my credit that the apartments said I owed. Its actually a judgement. In order to have a judgement arent you supposed to go to court? Arent you supposed to be properly served with papers? I never went to court and never owed a balance. When I contacted PRO COLLECT about my concerns everyone was extremely rude. Ms XXXX would not let me get a word in to ask questions. I asked her why is the balance appearing as a judgement and the only thing she could tell me was the Allegedly owed a balance when I do NOT. I have disputed this item on XX/XX/XXXX and they have failed to send me proper validation of this alleged debt! They only sent me the lease agreement which only verified that I did in fact live there but it does not VALIDATE this alleged debt! I they have been reporting false and inaccurate information to my credit for the past 3 and a half years. Everyone at this company is rude, and unpleasant. I have been disputing this debt for almost 4 years. I even tried to settle because it is hindering me and destroying my credit and I am tired of going back and forth with the people at this awful company. They told me I am not allowed to settle and that I must pay the balance in full. I refuse to pay a balance in full to a debt collector that can not even validate my debt properly BY LAW. They are knowingly reporting false information on my Credit and failing to properly Validate this alleged debt