davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
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. (IL)

I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that XXXX has not shown any time that I have disputed information with them in the past. XXXX  has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come XXXX, XXXX, and Equifax can tell me anything different?
Consumer complaint received 2019-09-25
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-OPEN ACCOUNTS- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

Dear Wells Fargo Bank you are officially informed that your fraud estate embezzlement case currently being investigated by XXXX  XXXX I sent with all supporting documents to sitting Senator XXXX XXXX United States Senate so she can view first hand that her brainchild agency the CFPB is being lied to in official bank documents despite presenting overwhelming evidence of your illegal behavior towards my case and the bank was not held accountable for its actions nor an official investigation was started by the US Government Bureau despite numerous complaints. If the bank is under the impression or was promised that you will get soft handled concerning this case I regret to inform you that is just not going to happen. And this case was also sent to the FBI and the US Justice Department and the Federal Trade Commission. I am coming after this bank with will full Legal force because it's my legal court ordered right XXXX XXXX XXXX
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Omega RMS, LLC (TX)

XX/XX/19 XXXX - Omega RMS calls me informing me of a debt from XXXX with XXXX XXXX 

XX/XX/19 XXXX - I call XXXX XXXX. They say they have no outstanding debts with me and have never heard of Omega RMS and do not use a collection service. 

XX/XX/19 XXXX - I repeatedly call Omega RMS trying to explain they have the wrong information regarding this debt. Twice they hang up on me. We never get the situation resolved.
Consumer complaint received 2019-09-17
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. (FL)

On XX/XX/2019, I received a call from a collection agency ( " XXXX XXXX '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an XXXX   Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/2019, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " The Home Depot/XXXX '' dated XX/XX/19 that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the Home Depot consumer credit department to advise them of this case of identity theft. However, Home Depot 's automated phone system never let me talk to a real person to report this issue.
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

XXXX PayPal lied to you and said they fixed this problem. The problem was not fixed, at all. 

I want to send money from PayPal, not from a linked account or card. Paypal will not let me do that even though it told you that this problem had been fixed. 

You said you would email me PayPal 's response bt you have not done that yet. Please do so. The agent I spoke with this morning read me the last part of their response and they said they fixes the problem. They did NOT fix the problem.
Consumer complaint received 2019-09-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

on XX/XX/2019 I received an email from XXXX XXXX explaining that the 1 % rate reduction payment plan that I was already struggling to pay was coming to an end. The email suggested that I contacted Navient to see about an extension on my plan. It also highlighted that If " your new minimum payment is not within your budget you may qualify for a rate reduction plan extension. '' I immediately called to speak with a representative. I explained that my income had not changed and that I actually had taken on greater expenses since becoming a new mother. I explained that although I'd luckily maintained my $ XXXX/monthly payment It was a tremendous strain on my finances but I was willing to continue that payment until my situation had changed. The representative denied my request stating that my payment would increase to $ XXXX/month because the rate reduction plan is the only option available for private loans and it is intended to be a step up program. The purpose of this program according to the representative is to get me stepped up to the original loan payments of $ XXXXmonth. I explained that this was near impossible with the amount of income I bring in. They refused to go over my expenses and basically told me that I had no other option but to pay the requested amount. Trying to maintain my loan payments ; I have lost my car, received several eviction notices, and forced to work 2 jobs with a XXXX year old child. Navient is the worst student loan organization I have ever known. They have no programs fit for those who are really experiencing a financial hardship. I have been determined to maintain my payments and I have not attempted to deny my responsibility, however, Navients insensitivity and disinclined ability to work with you is completely in-humane and unbelievable!
Consumer complaint received 2020-06-12
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. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$94.00} XXXX {$3000.00} XXXX {$95.00} XXXX {$440.00}
Consumer complaint received 2019-09-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

NCA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 AMT {$510.00}
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2019 at XXXX XXXX we received a text from Capital One asking if a {$200.00} purchase at XXXX XXXX in XXXX XXXX was made with card ending XXXX, we replied no. There were two other charges one for {$1200.00} and {$250.00} at the same mall at about the same time. The {$250.00} was deemed legitimate because the card used was used with a chip. 
Card ending XXXX was used by me in our town the same day as the other charges in XXXX XXXX. 
XX/XX/2019 at XXXX XXXX, while in Oregon, we received a text asking if a {$250.00} at a XXXX XXXX in XXXX XXXX was made with card ending XXXX, we replied no. This too has been deemed legitimate by Capital One because a chip card was used. 
Our cards have been duplicated even though Capital One says it's impossible to duplicate credit cards with chips. We have not been to XXXX XXXX in 50 years We have registered this with all three of the credit reporting agencies, filed a police report, paid off the balance and closed our account with Capital One.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DC)

OneMain is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, one main still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life
Consumer complaint received 2019-09-17
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. (CA)

My account with US Dept of Education was paid in full in XX/XX/2019 and my credi report in XXXX for Equifax was updated to show paid in full. Then in XXXX my credit report was updated stating I owed {$560.00} and was in collection. I tried disputing with both Equifax and Dept of Ed and equfax is stating this is the information they are receiving whereas Dept of Ed is saying they are reporting paid in full. This is impacting my score and it seems like either the information has been sent wrong or equifax is not updating my report. Attaching a screen shot of My equifax report to show what XXXX said and what it currently says.
Consumer complaint received 2019-09-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My Complaint is against XXXX XXXX XXXX XXXX and Loancare , LLC. Our VA Loan was sold and transferred to Loancare on XX/XX/2019 along with the total payoff loan amount. As of today XX/XX/2019 Loancare insists they do not have the payoff funds. 
I am getting phone calls from Loancare informing me of missing payments on a loan that has been paid off in full. I phoned to inform them the loan was paid in full and their response was ''prove it ''. I have not recieved our impound balance that was also transferred to them. It appears to me they are violating the 60 day transfer rule and about to violate the 30 day rule to return the impound money to the borrower. 
Someone should conduct an investigation of this agency. Thank you
Consumer complaint received 2019-02-04
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. (CA)

I have corresponded with EQUIFAX in reference to accounts that are reporting on my report inaccurately and are not to my knowledge. EQUIFAX has responded stating the information has bee verified and accurate from the companies I listed. I asked for any copy of documents showing that I had contracted with either of these alleged companies, with my signature on it in WET ink and they did not provide. I am formally complaining that they have not sent me the information requested in order to verify these are my accounts. Attached is my second letter to them requesting again either copy of documents or delete immediately from my credit profile.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2019 I noticed a charge on our checking account in the amount of {$220.00} that was made on XX/XX/XXXX-XX/XX/XXXX [ not sure due to processing ] that was titled " XXXX XXXX XXXX XXXX GA ''. I instantly knew I needed to look further into this charge. Since I obviously am not physically in Georgia, nor have I ever bin there. I contacted the Fraud Department at Bank of America and was advised they will send a new card and to destroy the current one my husband has. We listened to the representative and waited for a response from the Claim Resolution Team regarding the fraud transaction. The bank never contacted us until XX/XX/2019 via US mail letter stated that the transaction in question was authorized and posted correctly to our account and in result we will be charged the funds on XX/XX/2019. 

Today XX/XX/2019 I contacted the number in the letter to ask what append and if they got more information on the suspects. First representative I spoke to just gave me the same information in the letter and just kept repeating himself. So I asked to speak to a manager since he can't do anything further for us. I spoke to a manager rep in the claims department and was advised no investigation was done since the way the transaction was charged [ via chip using my PIN ] it seamed like it would be impossible it was us and that is their decision. I was advised to contact the police department and there is nothing they can do. I tried to get information of the store that processed the transaction but was advised by the rep they don't have that information nor did they try reaching out to the merchant to obtain that information. 

I feel as if this bank is not making correct discussions regarding fraud claims. They didn't even try to investigate so they can protect my hard earned money. I feel like my money is unsafe and I think I may close out my account after having it for over 20 years with this bank.
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (GA)

Today on XX/XX/XXXX, I received a phone call from XXXX XXXX stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XX/XX/XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to Credit Management and I called to verify with them and it was indeed paid. I feel like this may be a scam.
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding LLC representing XXXX XXXX Bank has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2015 amt {$1000.00}
Consumer complaint received 2019-09-25
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: SYNCHRONY FINANCIAL (TX)

On my credit report there states I have a hard inquiry from Syncb which appears to be some kind of airline?? Its from XXXX XXXX. I did not authorize this inquiry and have no idea where it came from. This will stay on my credit report until XXXX of XXXX so Id like to resolve it soon as possible. There doesnt seem to be any record of a company called syncb and there isnt a phone number I can contact them at.. found on XXXX XXXX that this has been issue with other people as well.. and some have gotten results from submitting a compliant through the Consumer Financial Protection Bureau XXXX Many thanks for any help you can provide
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP (NY)

I applied for a loan modification with Sterling National Bank on XX/XX/XXXX - I was approved on XX/XX/XXXX I made 4 payments based on the e-mail which is not a legal document waiting for my loan documents to be prepared. After asking every month and keepp hearing we are waiting for the assumption to be done. Which was done already in XXXX and they have all the papers. I was denied after waiting 14 months i was not making payment beciase I did not feel secure sending them money for them to finally turn around and deny me. I now have to file Chapter XXXX bankruptcy in order to keep my house. But the bank Sterling still say they would be willing to give me another modification. I think they just are trying to string me along. My health has siffered becuase of this whole ordeal. I tried calling the bank they wont talk to me they want to talk to either my dead mother or father and state they do not have any documents showing I am on deed when my county does. 

Really messed up bank. I do not know how they can get away with this.
Consumer complaint received 2019-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MT)

I started paying my consolidated loan with Sallie Mae in XX/XX/2003. I began paying based on my income. I asked at that time if this consolidation would help me get the XXXX  Loan Forgiveness. They said as long as I made income-based payments and made them on time. My loan was moved to Navient. I continued to certify every year my income and make my payments based on 15 % of my salary. I am XXXX years old and going to retire. I applied for the XXXX Loan Forgiveness, and they said I didn't qualify because of a Parent Plus Loan that was consolidated. I kept trying to find information, but could not get any answers. I applied again and was told that I do not qualify. So I had XXXX XXXX look into my loan repayment options. They told me I had to apply through XXXX for a new consolidation, and work 10 more  years in a public service job. I called XXXX and they put me through to the XXXX who said that although my loans don't qualify, public service loans are forgiven after 20 years from any lender and I should call Navient and find out how many more payments I need to make after paying for 16+ years. I called Navient and they said that they do not do XXXX Forgiveness, or any public service forgiveness, that none of my 16 years of payments qualify, and I would have to consolidate through XXXX. She said that my loans are FFEL loans through the government, and they do not qualify. I asked what the difference was as they came from the government and she had no real answer. I asked why none of this was explained 16 years ago, and she was SO VERY SORRY. I did ask if the loans would be discharged upon my death and she said yes. I think that this is criminal. I have worked for 24 years as a XXXX XXXX XXXX  in a rural community at extremely low pay. My loans are now in excess of 100K because of deferments, and income based repayments. And I have no way of ever repaying this loan, all based on lies from the loan servicer ( Navient ) and the Federal Government.