davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
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)

My original mortgage was with a company called XXXX. I have had this mortgage since XXXX. XXXX was merged with a company called XXXX, and beginning on XX/XX/XXXX XXXX took over. This new company began reporting information to all of the credit reporting companies on problems I encountered years ago, XX/XX/XXXX-XX/XX/XXXX. The first was past due on accounts, which wasn't true. I contacted both mortgage companies, and they withdrew that notification.It has been removed from my credit reports. Now, XXXX has notified the credit reporting companies that my loan was " modified ''. Yes, it was, in XX/XX/XXXX. They are reporting this again, even though XXXX had done so, when it took place. After 10 years, it dropped off the reports, and now thanks to XXXX, it is back on again. This has caused my fico score to drop, my credit limits have been reduced and it should not be on the report to begin with since it was so long ago. I am sure I am not the only home owner that went through loan modification during the real estate meltdown. I worked very hard to recover and improve my credit scores, only to have them destroyed by this company for no reason.Help!
Consumer complaint received 2019-03-15
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. (MO)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-06-27
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. (MS)

The following accounts and Inquiries that appear on my XXXX  Credit Report are either reported in error or are a mistake in identity. Please mail to me the proper contracts with my signature that authorizes these accounts to be reported on my report. XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, {$5000.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX, {$2700.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX, {$1600.00}, Opened on XX/XX/XXXX. XXXX, {$5200.00}, Opened on XXXX XXXX, XXXX. Please remove the following name from my credit file, it is not my name nor alias - XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The following inquiries are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, US DEPARTMENT OF EDU.
Consumer complaint received 2019-03-15
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. (LA)

Equifax ; XXXX and XXXX are reporting incorrectly that I am 120-150 days past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I REQUESTED MY MORTGAGE STATEMENTS FROM XX/XX/XXXX THRU XX/XX/XXXX, SINCE I'VE NEVER RECEIVED THEM, ON XX/XX/XXXX. I'VE RECEIVED NO RESPONSE REGUARDING THIS MATTER. SEREUS/MR COOPER HAVE ADEQUATE TIME TO SEND MY REQUESTED MORTGAGE STATEMENTS. BY LAW I'M ENTITLED TO THESE STATEMENTS.
Consumer complaint received 2019-03-15
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. (IL)

I have contacted all three credit bureaus to have hard inquiries removed that I when I did not authorized and XXXX remove all unauthorized hard inquiries / investigation but XXXX and Equifax did not remove the same inquiries that XXXX removed that we're all fraudulent I've been working on this for the last 5 to 6 months prior to that the last few years and all of the hard inquiries were for car lots that someone found an old state identification card that I lost try to obtain a car loan and also receives over {$6000.00} and cellular service from XXXX and XXXX. They are not removing these inquiries. I was told that I have to write a single letter for each inquiry instead of one letter with all of the inquiries on it. I have also informed all the credit reporting agencies of various addresses and various last name on my credit report that do not pertain to me I've asked them to be removed and to my knowledge the only reporting agency that removed the addresses is XXXX
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Citibank is ripping off customers by charging overdraft fee on top of overdraft fee. I was credited a overdraft fee on XX/XX/XXXX and signed up for overdraft from savings to checking. However yesterday after speaking to a representative my account was at a positive but Citibank charge me another {$34.00} again for the overdraft charge that i was credit for. So basically they charged me {$34.00} on top of the {$34.00} that they caused the account to overdrawn.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I was recently scammed in XXXX with the XXXX XXXX XXXX scam, they claimed I picked up the suit 2 days later even though I was no longer in the city anymore and forged my signature. I provided all documentation and proof I was not in the city anymore and that I never got the suit because the address given was not the same place the driver took me. Credit card company refuses to open back the case after I submitted airline bus tickets food purchases as proof that I was not in XXXX, currently at a lost of {$610.00}
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Applied bank knows that my info was stolen and now does not know who owns my debt and will not take it off my credit report. I was told several times that someone would call me back but no one called. Everyday my credit is not being fixed me and my family suffer with bad credit. Please help they do n't even have my name in there system. But there name is the only one to contact about the debt.
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 I went in person to the Wells Fargo Bank at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX to pay off my mortgage in its entirety and close out the loan completely. I said I want the mortgage to be done completely today and the bankers indicated they understood. 
I met with a banker, XXXX, who called the main wells fargo site to get the entire payoff amount for my mortgage # XXXX ( I am client XXXX just a number to these bankers ). 
I owed about {$2200.00} and the payoff amount from the wells fargo main site added {$200.00} " fee '' to completely close the loan ( Check amount was {$2400.00} and change ) and I got a receipt indicating a " XXXX balance and that the mortgage was paid off completely '' ( It took 4 staff to process my final mortgage payment in the bank in about an hour total time- I figure they do not have much experience in closing out mortgages ). I was told " congrats and the mortgage was completed ''. On XX/XX/2019 I received a letter indicating that " the funds received were less than the total balance owed '' and that I was going to receive ANOTHER mortgage Bill ( amount to be dertermined )!!!! This is completely dishonest, unethical and reflective of the recent bad press that Wells Fargo Bank has received. This is simply the wrong way to do business and completely ruined my mortgage pay off day, a once in a lifetime event. I went in in good faith and paid off the loan 7 years early per the bankers guidance and direction. I am going to the media next- I hope this makes national news. These are really low bottom -- dwelling banking practices. They can not do this to hard working people who actually go the extra mile to pay off a home loan the right way after many years of sacrifices.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NJ)

I'm asking/alerting  XXXX of Chase Bank to look into my concerns, and asking him to know what XXXX said he did not know was happening at XXXX Bank. I am XXXX of XXXX Social Security recipients, XXXX years old ( $1,133.00 ), per month' this is income per month. since I transferred my account from, "a,  "no branch bank", who promised free checking/checks, (Chase charges XXXX, to issues XXXX blank checks on my account.  A XXXX year old is not suitable for a, "no branch bank".  It is more suitable for a young high tech customer. This no branch bank, also allowed many bogus charges on my account to no avail since I could not personally explain the mistakes, wrongful charges on my account.  I went to Chase.....However while it may have been explained to me,there are hundreds, if not $thousands of dollars of overdraft fees each, XXXX approximately.  in some instances, (the no branch bank did not do this), example, I charged a XXXX for XXXX coffee that the card allowed. It resulted in another XXXX overdraft fee.The employees of the branches are very sympathetic but have said "XXXX we would reverse these overdrafts but we are not permitted to so, (i.e. XXXX),   I am asking both XXXX and the CPFB to review overdraft charges that I'm confsed about how I got, that have reduced my very precious, minimal XXXX, I deposit into the Chase account.  Does XXXX know that XXXX social security recipients are confused and afraid and embarrassed about this; yet the overdrafts amount to more than a third of our monthly monies.  Can you ask XXXX if he knows about us XXXX customers that he has that are so unable to be helped since Chase has prohibited the branch employees to protect our monies.  Unless and until this is researched, and hopefully redressed, (adjusted, I would like to see this resolved before I become XXXX of XXXX Social Security customers that will also complain to Senator XXXX and will investigate Chase Bank and asking XXXX to audit my social security direct deposit account. this is very frightening.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

On XXXX/XXXX/XXXX, my husband and I went to XXXX Hyundai located at XXXX XXXX XXXX XXXX in XXXX Florida for a service appointment for my husband 's XXXX XXXX. The appointment was at XXXX XXXX and as soon we arrived we were approach by the Financial Manager, XXXX XXXX. He told my husband that he can get a XXXX XXXX XXXX and that he will deal with the upside down. I told XXXX XXXX and my husband that the XXXX had only XXXX miles and that we should keep it. However, XXXX XXXX continue with his effort to make a sale. He asked me to cosign for my husband to upgrade his car and I replied that I was in the process of buying a home and I can not be a cosigner. By XXXX I told them that I had to leave and that I would like to get the XXXX back because I needed to go to work. I spoke with the General Manager, XXXX XXXX, about the car that we took for services and he directed me to the Service Manager. I was informed that they did not touch the car. I strongly feel the Financial Manager manipulated the entire situation and advised the service department not to touch our car as he was pushing for us to purchase a new vehicle instead. At this point my husband agreed to purchase the XXXX XXXX XXXX, but this would require me to cosign for him. I asked several times why my husband could n't be the sole purchaser for the XXXX XXXX when he was able to purchase the XXXX only in his name and was not given a clear explanation. They said it was required but would n't interfere with my home purchase plans as I would only be a cosigner and my husband 's name would be listed as the primary buyer. Under those terms, I finally agreed. Upon meeting with my mortgage broker the following week, I was informed that the loan showed up as my responsibility on my credit, greatly increasing my debt to income ratio and no longer qualifying me to purchase the home. I was in complete shock after hearing this news, I am listed as the primary buyer and not as a cosigner, contrary to what I agreed to at the dealership. I have discussed this situation with Hyundai Financing, with the Dealer directly, with the General Manager and I have intended to discuss the issues with XXXX at the Corporative office. No one has offered me a solution. I have been told that in the state of Florida the wife and husband are considered the same in a financial matter, but I find the dealings of this dealership to be extremely unfair, unethical, and irresponsible. I do n't believe we were treated fairly and strongly believe we were misled for their own benefit. I am asking that Hyundai Financing comply with the contract that I signed and list me strictly as a consigner releasing this debt from my credit or remove my name from the purchase entirely.
Consumer complaint received 2019-03-15
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (FL)

Good afternoon, I'm contacting you in reference to my Nelnet, Nelnet has  been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by Nelnet My credit rating score was above 730. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as Nelnet is doing illegal collecting and reporting practices.
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: TRANSWORLD SYSTEMS INC (TN)

I do not owe XXXX  University or XXXX XXXX XXXX. Amounts shown on the statements I uploaded show {$300.00} payment made back to XXXX XXXX for {$1200.00}. And that I have a zero balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

XXXX XXXX XXXX charged my credit card {$1200.00}, which has exceeded over my limit for {$600.00}. My income has changed since and now I am working for XXXX XXXX XXXX  and I am making {$11.00} per hour. I can not make the {$600.00} payment that Citi is demanding. I can only make the {$49.00} minimum payment until can secure a debt consolidation loan. I just started this position with XXXX XXXX XXXX making {$11.00} per hour and I get paid every two weeks, That's {$880.00} before taxes and I still have other financial obligations such as rent, insurance and daily expenses. Citi is harassing for a with calls and emails for a bill that I am unable to pay due to my low paying job. I am only able to maintain the minimum monthly payment for {$49.00} per month that I make on time.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im a second year XXXX XXXX. I served my country and ran into tough times when my wife get laif off. As a XXXX XXXX ive been exposed to the beauty that is American law, mainly the constutution. In my opinion the second greatest document written behind the XXXX. I see a tragedy. The federal reserve system ( fractional illegal banking ) most Americans have no idea how our banking system works let alone the federal Reserve. It literally is the greatest ponzi scheme in history. Its completely unconstitutional and has created a disportion of wealth where the majority are slaves to banks. No where in our constitution does it state an independent banking system issuing these federal reserve notes that are now practical worthless has any authority, nor use our federal taxes as collateral against these loans. Then the big banks have devised perfect system that manipulate money and creates it out of thin air through credit. Its pathetic. Its made the rich richer and the poor poorer. Im going to stop my save the world speech and say this. XXXX  followed tax law and im asking XXXX and Transunion to follow suit and do what united state federal tax law tells one to do in the following situation. Im asking every single one of my creditors to follow the United States tax law with regards to debt. I want every single one of my creditors who wrote off my debt as a loss on their tax returns and recouped their money to remove that debt from XXXX and Transunion. The Federal tax law states " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states. '' It makes sense and all my creditors didnt hide they wrote it off. I want these collection companies who have no legal claim to this debt that again has been written off removed from my credit report and in reality they themselves are commiting tax fraud by trying to collect on these debts that no longer belong to me off my credit report. This is the law. Its not enforced but it should be. Big banks have lawyers who know tax law and get their clients to pay little to no taxes. XXXX followed the law and removed these items from my ctedit report. Since its the law I expect transunion and XXXX  to do the same or they to are commiting fraud.
Consumer complaint received 2019-03-25
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)

Equifax wont remove XXXX XXXX XXXX from my account XXXX claim I was making payments from a XXXX XXXX checking account as Im about to present is a official letter from XXXX XXXX staying I never had a XXXX XXXX checking account so how could I XXXX XXXX make a payment under my name when they confirmed I never had a checking account with them and I never have lived in XXXX XXXX XXXX XXXX XXXX XXXX nj which I am presenting my drivers licenses with my address on it if XXXX does not remove this fraudulent account alone with Equifax I will sue them in court as it is a violation of my fcra rights also Equifax is reporting I have a XXXX card a XXXX auto loan and a XXXX credit card and a XXXX account which is not accurate they all must be deleted at once
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

I filed a complaint with all three credit bureaus and a CFPB complaint about a fraudulent loan where someone got ahold of my information and had a loan in my name. Experian continues to show late payments when even the loan company has charged off and written off the loan. And both XXXX and XXXX have removed the loan and Experian keeps adding it back after deleting it as well.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AZ)

Convergent Outsourcing, Inc., is continually contacting and harassing me about account # XXXX. The account is a fraudulent account and the result of identity theft. I am a victim of identity theft and the fraudulent account is not mine and dont belong to me. I been receiving repeated phone calls from Convergent representatives who have been harassing me, using abusive and profane language and threatening me with wage garnishment, arrest, jail and prison time all for a fraudulent account thats not mine.