davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (FL)

ON XX/XX/2020, I, when online to inquire about the interest rate, to see if it was a good idea to refinance when Mr. XXXX XXXX, chated with me only and asked for some basic information and told me what rate was and I told him to run some number for me before I knew and without he pulls my credit and my husband credit without our permission, and he started an application for refinancing without our consent When I asked he he said that he thought he could do that I asked him when fid I told him I was going to refinance, he apologies but that does resolve the issued that they started a loan without our permission. I just received a discloser for a loan, I do not understand what this people are doing but I no interested for a mortgage. 
the lender is QUICKEN LOANS NEW LOAN NUMBER ( NO REQUESTED XXXX XXXX. AND NOW THERE IS A HIT ON OUR CREDIT AND WE HAVE RECEIVED MULTIPLE SOLISITAION FROM OTHER LENDERS AND WE DID NOT AUTHORIZE THEM TO MOVE FORWARD WITH THE LOAN THE LEDER LICENSES NO. XXXX
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

In the Financial year 2019, I had Citi Double cash with Citi Bank and that's the only service of theirs that I used. For the year 2019, I have received two 1099-B with proceeds totaling ~5000 . Both have a description " XXXX XXXX XXXX ''. I never did any such transactions with Citi Bank.
Consumer complaint received 2020-09-02
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. (UT)

I have sent letters to both creditors and credit bureas to remove inquiries that ARE NOT MINE. Because of the issues with the world now i cant get anything done and can't get responses back. So I call equifax and they say there's nothing they can do. Well yes they can the inquiries are inaccurate and NOT MINE. I have submitted requests for the following inquiries ... XXXX XXXX XXXX XXXX inq date XX/XX/XXXX & again on XX/XX/XXXX XXXX XXXX Inq date XX/XX/XXXX and again on XX/XX/XXXX & on XX/XX/XXXX. I have sent several letters over last year to remove all of these and nothing has been done. I changed my name over and ever since than I'm getting alot of stuff on report that is NOT MINE
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing this due to non-compliance by Equifax. They have failed to remove information that was affiliated with personal details that were successfully challenged in the past. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
The items listed below were affiliated with personal identification information which was challenged and removed. These items as listed in my Equifax file are : ITEMS Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Chapter XXXX Bankruptcy REFERENCE # XXXX
Consumer complaint received 2020-09-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at ALLY FINANCIAL This letter is in reference to a late payment with the account number XXXX. 

XXXX of 2015 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills. 
I have since gotten back on my feet and brought my account up to date with your company. 
I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AXOS FINANCIAL, INC. (FL)

I agreed to have my 2018 tax return sent to an Emerald Card XXXX XXXX XXXX XXXX. The bank that owns the Emerald card is Axos Bank. I was convinced by XXXX XXXX XXXX XXXX that this was the quickest best way for me the customer. However, none of the fees were explained to me so I was not happy with this arrangement in 2018. I took all of the money off the card and the account has been closed for over a year. When the IRS tried to send my stimulus check to that account the payment should have been rejected but Emerald Card did not reject the payment, they held my money. After a week of checking the IRS website waiting for it to be rejected back to the IRS, I called Emerald Bank. The customer service representative told me that her department didn't handle these rejections and when i asked to be transferred she told me that she didn't even know how to transfer me or reach that department. Once again they coerce me into taking another/new Emerald card stating that this solution would be faster than trying to reach whatever department would have rejected the payment since she didn't know how to even reach this department. The new card arrives and the automated system can't activate the card because the information doesn't match what's in the computer ( presumably the old account info that is closed ). At this point I've called Emerald Bank and XXXX XXXX XXXX XXXX   six times over the last two weeks and have spent no less than 8 hours on the phone, most of that time on hold, and many times nobody ever answered. I'm writing this complaint while currently on hold with them. I've been on the phone over 1 1/2 hours, first customer rep explained several times how the IRS works after I explained to him several times that we are a week past that problem. XXXX XXXX XXXX XXXXEmerald card already has my money from the IRS, I'm trying to get it from them. Their pamphlet ( in really fine print at the bottom ) says the only way I can get my money with no fees ( remember I did not ask nor did I want my stimulus check to go to them ) was a one-time ACH electronic transfer. There is NO button or link on their website for this option. Asked to speak to a supervisor, phone rang for 15 minutes and then it just stopped ringing and nobody ever picked. This company is either completely incompetent to handle peoples money or they are purposely being dishonest/disingenuous for their own gain. ( 1 hour 40 minutes, Emerald just hung up on me ) Either way, incompetent or dishonest, doesn't matter. this company should  never be allowed to touch anyone 's money.
Consumer complaint received 2019-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I was told my recertification application was incomplete because I did not tell them the frequency which which I am paid ( weekly, monthly, biweekly, etc ). I uploaded documentation ( my paystub ) and indicated I am paid biweekly. Now, 3 weeks later and after the re certification deadline, I receive a notification that I they still need information on the frequency of my pay or else I will face an administrative forbearance/standard repayment plan. This is unacceptable as I documented each interaction with FedLoan and uploaded documentation, which is dated, to their online portal.
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (DC)

There were 2 recalls on the XXXX XXXX XXXX XXXX vehicle, and we wanted to surrender without penalty. For 2 years, Ally has dragged this out placing us on multiple ludicrous call back responses and communications with Supervisors which never happened and being hung up on several times while trying to resolve this matter. Disruption in service predicated by an identity theft incident in which we were locked out of the system. We called clarifying a change of address and a need for an entry key. This was not resolved until about 3 months later. The agreement was we needed to prove we were locked out of the system and that all penalties and late fees would be waived completely, and this never occurred either.
Consumer complaint received 2020-05-11
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. (AL)

In XXXX a late payment showed on my account for a account that was closed a year ago. I contacted the bank and she advised me that it wasnt true and thats not what they provided to the bureau. I contacted the bureau and so did the bank because they know Im in the middle of home buying process and a late payment is not acceptable with fha within a year. The bureau assured me and the bank that the payment would be removed and it was a error on there end. Well a month later the late payment is still showing and I had to renew my lease and had to stop my home buying. I tried to contact the bureau many times and this is heartbreaking.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$990.00}
Consumer complaint received 2020-01-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Some time prior toXX/XX/XXXX, I reached out to Wells Fargo to inquire about why my mortgage was not being reported to the credit bureau. Because I had been in a bankruptcy, they stated the loan needed to be reaffirmed ( which speaking to an attorney, that was not accurate because we completed a loan modification prior to my Chpt XXXX being converted to a XXXX ). At any rate, the suggested if I refinance, then it would be reported. I said ok. They started the application process XX/XX/12. I paid for my credit to be pulled, only for them to tell me I didn't qualify because of my bankruptcy and another factor. That doesn't make any sense. It impacted my credit file and cost me and now we're back to the original question ... WHY IS MY MORTGAGE NOT BEING REPORTED? I want this resolved and my money back.
Consumer complaint received 2020-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

When I made a XXXX refrigerator purchase in XXXX ( XXXX ) of XXXX, the total purchase price was {$1200.00}. That day I made a down payment of {$65.00} which is what was determined as my monthly payment. Since XX/XX/XXXX Ive paid a monthly bank auto-drafted payment of {$65.00} which, as of now is a total of {$910.00} I got ill during COVID and did not notice anything change in my account during that time, then when I got well in XXXX I went back to the online account I had set up and noticed that I had barely sratched the surface on payments. The amount Conns HomePlus is saying I owe ( as of XX/XX/XXXX ) is {$930.00}. The increased my interest from 0 % to XXXX per day on XX/XX/XXXX. 

I contacted Conns HomePlus on XX/XX/XXXX via email and called and spoke to a said XXXX for an hour or so to try to sort this out. I asked for a manager and was not offered one, she refused and said none was available and that nothing would change. I offered to pay the amount in full of {$440.00} right then, the amount that was due by XX/XX/XXXX, via our agreement of 0 % interest ( again, XX/XX/XXXX ) to take care of it and my offer was refused. They said " we will accept your payment but can not relieve you of the remaining balance ''. I still paid the montly {$65.00} on XX/XX/XXXX, as scheduled, then cancelled auto-pay because of this fraudulent behavior. 

So in short -- beginning on XX/XX/XXXX they began charging me 29.99 % interest daily which means I owe the exact amount I owed when I made the purchase 14 months ago. I was never informed of this interest and I was under the impression they would pull the {$65.00} each month until completion of the payment which would technically be within less than two payments. I realize now that they planned to keep pulling that {$65.00} each month until it was paid off based on their overwhelming interest increase. In addition, I called custoner service many times while ill and dealing with the existing COVID circumstances, as we all are. No one was willing to help me or even re-deal with me, even after I explained the situation. 

I went back through all emails to find all of my auto-drafts and an occassional marketing message but nothing about my account changing OR an account contract of any kind that agreed to such fraudulence. 

I have nearly paid for the item in full and they would like me to pay double for the item I purchased.
Consumer complaint received 2020-05-10
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 — Problem with personal statement of dispute
Company: R.M. Galicia, Inc. (CA)

I recently pulled my credit report and saw that Progressive Management placed a collection account on my credit report for $ XXXX {$10000.00}. I disputed and asked them to provide some type of proof that I owe this debt. I request copy of the original contract showing my signature, when the original account was opened, copy of any identification submitted when applying. None of that was provided, instead they asked me to send my social security card, copy of my identification and asked me to lrove that I don't owe it. I don't know who they are or what this is so I refuse to send my personal items to a company I don't know. They reported to my credit report fraudulently and the burden of proof is on the to show that I actually owe this. If not, they should delete which they didn't. Its now affecting me getting an apartment and may result in me being homeless during a pandemic. Please ask them to submit a full verification with contract and proof I owe.
Consumer complaint received 2020-05-11
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. (CA)

THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2020-05-11
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. (FL)

After two attempts, Equifax has not resolved the issue of access to MyEquifax. I was given a password reset on XX/XX/2020 and attempted to gain access only to be transferred to a page to call the 888 number. Again the challenge questions asked have nothing to do with my credit bureau report that Equifax just provided me in the mail. I was then transferred to an agent after a 30 minute hold time and in the middle of explaining my problem the line went to a verbal survey and disconnected.
Consumer complaint received 2020-09-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (ND)

On XX/XX/XXXX, I purchased a tv from XXXX XXXX for {$120.00} off a XXXX ad. Around XX/XX/XXXX, I started to email the company and they didn't respond. Around XX/XX/XXXX, I received an email from them stating to wait patiently. I them opened a claim with direct express and was refunded the full amount on XX/XX/XXXX. On XX/XX/XXXX, Direct Express reversed the claim and debited my account for {$120.00}, purchase amount of tv. I asked to receive detailed information about the case reversal to which they sent a short letter stating that there was no error in the transaction. I have made approximately 15 phone calls and an appeal to Direct Express. before I get an answer regarding my questions, I get hung up on. It is obvious they refuse to refund my money even though I never received the product debited to my account nor have I received a refund from the merchant. Direct Express has shown no interest in resolving this complaint. It is for that reason I am asking for your assistance in recouping my stolen money as I am a XXXX  on XXXX income. The states attorney has referred me to you and I have contacted the XXXX  to make a claim against XXXX XXXX.
Consumer complaint received 2020-12-14
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. (AZ)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX thrive market charged my account {$59.00}. I was not made aware of this charge until XX/XX/XXXX when I received a late payment letter from Sears credit card services. I was shocked because I hadn't made any purchases using this card and I also have autopay setup so I would never miss a payment. I immediately contacted Sears credit card services to resolve this issue. At that point in time I owed {$150.00} because of late charges and interest. I made full payment and was promised that this wouldn't be reported to the credit bureaus. I then contacted thrive market about the charges, they confirmed that it was a mistake and immediately refunded my account. Sears credit card refunded the late payment charges as well. Unfortunately Sears reported this as a late payment and my credit score has gone down 90 points because of it.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

XX/XX/2020 {$2000.00} reported by collector on their website, logged into my account for them they over payment options and various offers to settle for a lesser amount. while going through the options on the website, i called their customer service to attempt a one time payment for settled amount. customer service rep told me they couldn't settle for that amount and then proceeded to tell me their website had a glitch and now of the offers would settle my debt. and the only amount that would, would be the {$2000.00}. i asked multiple times about the settle for less amounts and payment options on the website and even cited a recent letter from them that offered all the same options. and we told repeatedly that any payment offer i accepted wouldn't cover the amount of {$2000.00} to pay the debt off and anything less would leave me with the debt still unsettled. their website and a few letters all present the company as these are valid offers to settle. this customer service rep contradicted all of those things.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have a loan with XXXX XXXX  XXXX XXXX, Colorado, last 4 digits XXXX. I paid {$200000.00} against the loan on XX/XX/2020. When I accessed my credit report in XXXX, 2020 I found that the loan balance had been updated only by XXXX  but not XXXX  nor Equifax. I submitted disputes, at great effort and uncertain success, but the balances have not changed. This is affecting my credit score with both of these bureaus. How may I get this fixed?
Consumer complaint received 2020-05-10
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: CORELOGIC INC (MD)

I have received several notifications about for a hard inquiries on my credit report which to the best of my knowledge was not initiated by me. I did however contact these companies to resolve this issue and also filed a report for investigation with the credit bureaus but this has gone unsolved. The hard inquiries are still on my credit profile and has made my score go down greatly and I still haven't been heard. Both XXXX and XXXX are reporting inquiries on my file differently.