davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Firstmark is servicing a Parent Plus loan through XXXX XXXX. This was a federal loan that I refinanced in XXXX. 
In XX/XX/XXXX, I refinanced that loan again through XXXX. On XXXX XXXX, XXXX, XXXX wrote to confirm that it had sent an electronic payment to FirstMark for the full payoff amount of the loan. 
As of XX/XX/XXXX, FIrstmark has not applied that payment to my account. They are still demanding payments and accruing interest, even through the loan was paid off more than 35 days ago. 
XXXX has taken its time to respond to me, but on XX/XX/XXXX called to tell me they have confirmed that Firstmark received the electronic payment and they have continued to contact/escalate with FIrstmark to get the payment applied to my loan. 
I have now had to make a double payment on the loan to avoid a mark on my credit report. 
I've called Firstmark but their customer service won't provide any informaiton other than to say that they can't confirm whether or not the payment has been received until it is credited to my account. Firstmark is being negligent and untimely in closing out this loan to the point that it has had a detrimental affected on my finances.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

There is a collection agency called IQ Data that is on my consumer reports ( XXXX, XXXX, XXXX ) that i have no knowledge of and they are violating my consumer rights. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. IQ Data has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/ 2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c.

This company is claiming that I owe an alleged debt that I have no knowledge about. Notice the term " Debt '' means an alleged debt. So I am asking that you prove to me that I owe your company and alleged debt and I have done business with you. The Fair Credit Reporting Act states that a consumer report is any Written, Oral, or communication of any information by a consumer reporting agency. This means a consumer report is essentially the communication of information regarding a consumer. Since this is being reported on my consumer report you are communicating and I am demanding you cease all forms of communication through any medium. This included mediums such as 1. Telephone 2. Letter in the mail 3. Social Media 4. Email 5 Consumer report I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, I applied for a credit limit increase for {$12000.00} on WELLS CARGO ACTIVE CASH CARD and was denied an extension of credit by WELLS FARGO.
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MA)

Hi, My previous mortgage company didn't pay any taxes for fiscal year XXXX ( XXXX nd XXXX of XXXX and XXXX and XXXX of XXXX ) which resulted in a lien on my property and a interest and other charges of {$740.00} I have an escrow account and they never mentioned that they are not paying or failing to pay my real estate taxes. 
I now paid all the outstanding dues and now have to go through the process or removing the lien. I would truly appreciate if you can help with this issue. 
Attached is the 1098 from my previous mortgage company ( they transferred it to a new mortgage company starting XX/XX/XXXX ). Also a statement from the city outlining the payments I made and an excel highlighting the amounts. 

Company : The money source Account # XXXX
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX I received an email from XXXX XXXX ( monitoring ) that my credit account with SYNCB/PPMC ( Synchrony Bank ) had been closed. I was told by a supervisor ( XXXX # XXXX ) after speaking to two other individuals that nothing could be done. How can a company close an account in good standing and damage your credit score without any prior notice ( ie. reduced available credit and closed account mark, which has already reduced my credit score. )??? 

The purpose of available credit is so it's there when you need it...
Consumer complaint received 2021-04-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-04-18
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: BARCLAYS BANK DELAWARE ()

Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The Barclay 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and Barcalys. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

I called CiTi credit card and advised them that I lost my card, and they should watch for possible fraud. They told me I should close my account. So, they went ahead and closed my account. I told them to apply my cash reward to my account. Later they refuse to do so. I sent them XXXX letters and they still refuse in the meantime they keep charging me late fees even though I sent them the full amount that was due according to my records. They claim because I closed my account on their recommendation that I forfeited my cash reward. Now they are ruining my credit score has dropped by like XXXX points.
Consumer complaint received 2022-08-13
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. (TX)

I have been submitting multiple letters XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I applied for a public safety loan forgiveness ( PSLF ) waiver ( Waiver Program ) the Federal Student Aid department of education on XX/XX/XXXX. I have been a public servant since XXXX ( XXXX years ) and also on a XXXX federal student loan repayment plan since XXXX. Under this new Waiver Program, my XXXX student loan payments will now be considered a qualifying payment under the PSLF program. I estimate I have made 190+ payments to date, when I only need 120 to qualify. When I submitted my application, I was told that the Department of Education ( DOE ) would need 60-90 days to qualify.

I contacted the Federal Student Aid Program several times during this period to verify my application status. On XX/XX/XXXX, I was informed my application was being denied for lack of a " wet ink signature '' on the application by myself and my employer. Both my employer and I had digitally signed which was in violation of the DOE 's application requirements. My issue is that the DOE did not notify me of this deficiency for four months. When inquired over the phone as to why I was not timely notified, I was told they were just too busy. The Student Aid Program instructed me to resubmit my application which I did on XX/XX/XXXX, and received acknowledgement back from the program by mail with a letter dated XX/XX/XXXX. 

In my conversation with the Federal Student Aid Program today ( XXXX ), I was told that my resubmitted application was still subject to their 90 day processing timeline and and would not be processed any faster, despite my applying for the Waive Program in XX/XX/XXXX. I have a real issue with this as the Cares Act federal student loan forbearance program expires in XX/XX/XXXX which will result in my having to make additional payments on a loan that I will have already overpaid for under the Wavier Program.

Any assistance you could provide would be very helpful. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX 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 2022-08-13
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 am formally requesting with this CFPB complaint to update or remove the following accounts in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Under the provisions of the FCRA, I need the following items corrected : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2022-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (TX)

I had a vehicle I had purchased from Ford Motor company Ford XXXX. With in the first year I had several issue with vehicle being in the shop to the point where I had to contact Ford Motor Company because the vehicle had several major issues with in the first year. I spoke with a Ford Vehicle Specialist to get resolved. I was in a rental car for several months because the XXXX had transmission issues. Ford agreed to buy back my vehicle and help place me in a new vehicle once the vehicle was return to the dealership. In that transmission I was told by the specialist to not worry about pay the last months of the vehicle because its was going to be traded back to XXXX XXXX dealership and they would cover the cost of original loan since it was deemed a Lemon under the Lemon law act. I financed a new vehicle with the trade in with Ford motor credit at the XXXX XXXX dealership. In that transition time my old payment was not updated which caused it to go past 30 days because on the loan specialist part they did not take into account to buy back time frame. The vehicle loan was closed out the next month and now I have a negative hit on my credit because the vehicle was not properly transition when I was trading in the old for new. I asked Ford to remove impact and they declined. The loan was acted in bad faith and I would like to get this resolved since I purchased with Ford Motor Credit again event though the first vehicle was classified as a Lemon under the Lemon law act XXXX XXXX
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I called wellsfargo on XX/XX/22 to get a refund I was scammed from XXXX XXXX XXXX XXXX the said they would give me a loan modification and never did anything for 9 months asked for a refund of XXXX dollars now there not answering the phone. So I called wellsfargo for a refund said the couldn't do it because it was 180 day I believe this is not fare I had no protection for my money please help thanks.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I had some bad fraud going on with my credit cards and bank account for over 2 years now. Most recently the Apple Card. While I was out the country and unable to come back due to the pandemic. My apple card was getting used after my XXXX and XXXX where stolen. Which i reached out to apple and informed them. There was over {$20000.00} in transactions made and {$16000.00} in payments taken out my account. Ive already let my bank know. But Goldman Sachs indicated I wasnt responsible and how i dont need to worry and how theyll get the charges credited and my payments back. Instead they closed my Apple Card and said I was liable for the fraudulent charges I never made. This is horrible customer service and to be told Im not liable for any fraud and then to close my account and say Im liable is a slap in a face to me.

This pandemic was hard on everyone and so much fraud was done during that time and they have the audacity to say Im liable
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I had some bad fraud going on with my credit cards and specifically the Apple Card. While I was out the country and unable to come back due to the pandemic. My apple card was getting used after my XXXX and XXXX where stolen. Which i reached out to apple and informed them. There was over {$20000.00} in transactions made and {$16000.00} in payments taken out my account. Ive already let my bank know. But Goldman Sachs indicated I wasnt responsible and how i dont need to worry and how theyll get the charges credited and my payments back. 

Instead they closed my Apple Card and said I was liable for the fraudulent charges I never made.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (TX)

I referred a friend to XXXX XXXX, XXXX, in early XXXX. Both my friend and I were supposed to received a {$50.00} referral bonus after she completed the referral requirements. The requirements for the {$50.00} referral were to open a XXXX account using my referral link and making a {$300.00} deposit within 7 days of account opening. She completed these requirements and received her referral bonus the very same week. I received nothing, So I called XXXX. They told me to call back after 30 days if I don't receive the referral bonus. I called after 30 days and still received no help. All the customer rep keeps telling me is they emailed the promotions team and they're waiting for a response from them. I called multiple times after this and received no update whatsoever. Please get these people to credit me my referral bonus already. Here is the name and email of the friend that I referred so they can verify my referral. 

Name : XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2021-12-08
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (VA)

Hello, I contacted Hud on XX/XX/XXXX regarding the upcoming foreclosure date of XX/XX/XXXX for XXXX XXXX XXXX XXXX VAXXXX. I wanted to know what options were available to me. They advised me to contact Loan Depot to inquire about a XXXX Forbearance plan in which I did. XXXX XXXX of the Loss Mitigation department contacted me and after a few days of phone tag we spoke on the phone and he advised me what documents were needed. I emailed all documents to the Loss Mitigation department on XX/XX/XXXX, XXXX, XXXX and XXXX. I received a letter in the mail stating that all documents had been received and I would hear something in 30 days. I was made to believe all foreclosure proceedings had been stopped but to my surprise they auctioned my house on XX/XX/XXXX to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX ph # XXXX. I went to my house on XX/XX/XXXX and there was a No Trespassing note attached to the door and the locks had been changed. I contacted the number on the note and spoke with XXXX we setup a date to get my stuff out of the house and he advised me this would be the only time I could get my belongings. I have not received an eviction notice, I can not get my mail, I was kicked out on XXXX XXXX. Loan Depot has sent me nothing and this has been a nightmare from XXXX. I would like to see Loan Depot and the purchaser or my property be punished for the handling of this sale. Loan Depot Never offered me a Loan Modification, or a Forbearance Plan, they just sold my house from under me. The realtor that purchased my house has violated my rights right from the start. Please help. You may contact me at XXXX, and my contact number is XXXX. I look forward to hearing from you soon. 

Thank you, XXXX XXXX
Consumer complaint received 2022-08-13
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This company is also furnishing data without my written consent in clear violation of 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the expeess permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt