davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
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. (AL)

I have a fraud alert on my credit report which is to prevent unauthorized access to my file with Equifax. I ordered a copy of my credit report as I started getting calls from various companies offering me a car loan only to find out these companies had accessed my credit report without my permission even with a fraud alert present. The following companies were found upon my review of my Equifax credit report which were unauthorized : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Consumer complaint received 2020-12-02
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 — Was not notified of investigation status or results
Company: CL Holdings LLC (RI)

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES (NJ)

Zwicker and Associates has called me over 20 times and starts out with a recording stating this is an attempt to collect a debt. They proceed to notify me the phone call is being taped. To my knowledge I do not owe any debt to anyone and pay all my bills on time. I am very careful with sharing personal information and have been the victim of fraud and phishing in the past. When I hold to speak with a person, I inform Zwicker that I do not consent to any phone call being taped. Especially from someone I don't know. I also inform Zwicker that I am not aware of any debt in my name that is under collection. Zwicker then informs me they can not proceed with the conversation unless it is taped. I ask them to either please call me on an unrecorded line or send a certified letter explaigning the debt, since I am not aware of any debt or collection in my name. Zwicker then tells me they are unable to do this and the conversation ends until they call me back. This has gone on for over 20 phone calls. Today I explained to Zwicker the phone calls have become harrassing and they are breaking the law. Zwicker takes the position that if I do not engage them on a taped call they have the authority to gain a judgment against me but they refuse to call on an unrecorded line or send me a certified letter describing the debt they are calling me about. They tell me the phone calls are not harassing and we get into a tit for tat. Then there is a hang up and an hour later they call me back. They are baiting me into a conversation and refusing to tell my about they debt they are calling about. They are very aggressive in tone. Honestly, the first time I requested a certified letter detailing the so called debt, the phone calls should stop. Or call me on an unrecorded line and I would be willing to discuss because I am unaware of any debt collection in my name. I told Zwicker I would file a complaint with CFPB, and they just laugh and say they are not harassing me. Then they call me back an hour later and start the cycle again. This is harassment and must stop!
Consumer complaint received 2016-10-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (WA)

GM financial sends me a paper statement that is {$160.00} short of my actual account balance. Online they show the correct balance. I have been trying to correct this for four months. I have called them I have been told is taken care of and they understand the problem yet I keep getting these fraudulent statements. I know they 're going to XXXX me at the end of the lease and I want this corrected.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (TX)

In XX/XX/XXXX, i submitted a request for mortgage assistance to LoanCare and was advised it was under review. In XXXX XXXX I called and spoke to an agent, XXXX at XXXX and she told me that i was approved for a six month forbearance plan and to not make a XXXX payment and my new payment of XXXX would start in XXXX, XXXX. My loan was current at the time of the call. I paid XXXX on XX/XX/XXXX for my XX/XX/XXXX payment. She said no to make a XXXX payment and in XXXX XXXX i made my new payment and submitted a payment of XXXX. She advised while i was in the forbearance plan there would be no negative credit reporting or late fees. Due to the Covid outbreak the forbearance was extended and on XXXX XXXX I spoke to XXXX at XXXX and she said the forbearance was converted into a Covid forbearance and again assured me there would not be any negative credit reporting. In XX/XX/XXXX i began bringing my account current and by XXXX it was current and on XXXX XXXX I requested the forbearance be cancelled and received and email on XX/XX/XXXX that it was cancelled. On XX/XX/XXXX i pulled my credit report and it shows 11 late payments during that time. I submitted a dispute via the credit reporting agencies and also thru Loancare website. I recd a notification form Loancare stating it was recd. but no resolution. The credit agencies said the sent a dispute and Loancare said the report is correct. Today, XX/XX/XXXX, a spoke to an agent XXXX at XXXX, who said the reporting is correct because i was 30 days past due in XX/XX/XXXX. That is not true, their agent told me not to pay in XXXX. This had ruined my credit and now loancare refuses to repair my credit. These mortgage servicing companies are adding additional stress to homeowners during this stressful times and ruining their credit. I kept notes of everything told to me and now they will not honor the agreement and remove the negative reporting.They also still have me in a forbearance plan even with the email from XX/XX/XXXX advising me that it was cancelled. I am requesting help with repairing my credit and removing the forbearance plan XX/XX/XXXX. Also I repaid the money and my account has been paid in advance for months and they keep sending my documents to complete for a loan modification.These are very deceptive practices. I repaid all monies because they never presented the option of a deferral to me.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I was scammed out of {$600.00} for a puppy that was promised, and was never delivered. Over the last two months since XXXX, I've sent {$200.00} every month to secure the puppy through XXXX XXXX. Once the puppy was never returned I requested refunds from the people who stated they had the puppy, and was turned down. XXXX XXXX states that there was nothing they can to do but to make a police report, and call my bank. I immediately filed a claim with Chase Bank on Monday XXXX just to find out today my claim was denied. I am out of {$600.00} during a pandemic and was trying to get a puppy for my daughter for XXXX and is extremely frustrated. I just want my money back to find a puppy for my daughter. Please help.
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (DC)

I had a mortgage with the Navy Federal Credit Union and filed a Chapter 13. As part of my court approved plan, I can turn the property over to the NFCU. After explaining this situation they asked that I apply to submit a Deed in Lieu of Foreclosure which I applied to do - before they would approve that they said the property needed to be listed with a broker for 90 days which I did and there is now an short sale offer on the table representing about 95 % of the outstanding loan balance. NFCU is now saying before they approve the short sale they must have a letter from the trustee saying that the trustee will approve a short sale. My lawyer says that before that request can be made we need a letter from NFCU that they will release the lien once the deal goes through and NFCU is refusing. Worse, despite numerous requests for a conversation with a supervisor have never had my call returned. Concurrently, they filed a motion to get a judgment against me for the entire balance remaining on the loan which of course the trustee objected to based on the plan that NFCU was aware of when they sought the judgment. Frankly NFCU seems to be acting in bad faith and I can not figure out why it would be in there best interest not to accept the short sale. They repeatedly tell me that their guidelines do not allow the committee to review the short sale approval without the trustee letter and when I tell them what I need to get the trustee and court approval they tell me that I will not receive the letter. I am afraid now that the offer for the short sale will get pulled thanks to NFCU 's failure to work with me in a timely manner. It is shameful and I can not imagine that this is in NFCUs best interest - they should accept the short sale offer.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of New York MELLON managed to scoop my mortgage up in pooling and servicing as XXXX fell apart and Bank of New York merged. They did not however, file the appropriate paperwork ACTUALLY transferring my mortgage and despite innumerable Qualified Written Request submitted to XXXX and XXXX XXXX XXXX ( I did not even know WHO my servicer was ) I noted this on file at the CIty if XXXX filed literally less than a week AFTER I submitted my Qualified Written Request served upon XXXX XXXX XXXX. Upon discovery and filing of foreclosure by the same ( XXXX XXXX XXXX ) I was made aware that XXXX, who I had been dealing with previously has sold me almost immediately after the XXXX XXXX merger, but that the appropriate XXXX documents had NOT been filed appropriately. Despite a $ XXXX settlement imposed by Attorney General XXXX, which was documented in an article from XXXX of XXXX by XXXX XXXX, it seems they have NOT made any appropriate remediations to the CUSTOMERS whom they defrauded. Withe he FACT that BNY will also pay {$330.00} XXXX to resolve private class action lawsuits filed by the Bank 's customers, my loan was NEVER addressed, nor was I ever made aware of the action. They have clearly committed fraud, should be held accountable for XXXX violations and be brought up on further racketeering charges ... .. I was just one small person who became a victim of their fraud and am now facing homelessness because of Bank of New York/Bank of New York MELLON fraud and complete failure to adhere to SEC regulations. 
Additionally National Mortgage News reported the fact that XXXX XXXX unit should pay the maximum of {$2.00} XXXX in penalties for selling defective mortgage loans to XXXX and XXXX XXXX in the run-up to the XXXX financial crisis, the U.S. says. 
I do not know HOW it 's possible with THIS much fraud going on in the background that the consumers ( some unknowingly ) became wrapped up in without knowledge of consent, should become the victims of. This is sickening to the core. That unwitting victims who paid their mortgages, yet the 'servicer '' refused to correct or make amends to were sold and shuffled around like cards in a game of poker ... ... this is fraud at its finest. The fact that the FDIC, OCC, Attorney ; XXXX General and more ... .. did NOTHING to assist or reach out to the consumers who thought they were doing the right thing is simply nothing more than proof of a cover-up and enabling these companies to further defraud consumers. What these companies did AFTER defrauding customers and shuffling them through " foreclosure mills '', left unwittingly to be further victimized by " the system '' was simple ; y adding insult to injury. For those who did not know what the legal rights were, unless they spent countless hours searching, reading and trying to understand what was happening to them, they were left to fall prey to losing their homes, illegally and fraudulently.
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CO)

5 or 6 years ago now I after my contract with XXXX ended they tried to claim I still owed them money. I showed them the paperwork that showed I wouldn't owe anything after the contract ended. They responded by sending it to collections, when I disputed it it was removed. 
What they actually did was sell that debt to another company who then sent it to collections as their own new debt about a year after I had XXXX removed from my credit report. I disputed that as well and it was removed to only be changed to another company and put back on my collections. This has gone though about 4 companies at this point and was never a debt I owed in the first place. 
I dont understand how they are allowed to just change the company name and claim it as new everytime I dispute it.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (PA)

I am in the process of trying to obtain a loan to buy a mobile home.  During this process, I was scammed once and they succeeded and the second time, not.Under the pretense of XXXX for a loan of $XXXX, and me with a poor credit rating, these crooks told me that they would deposit monies into my account and I was to send it back to prove that I am trustworthy. Now, I am out $XXXX!!! Second time, under the pretense of XXXX XXXX, they deposited $XXXX without me even realizing it.  Once it was deposited, I told them to withdraw the funds (after I checked into this, this time). Thankfully, Chase at least did the right thing then, and held the check and from what I understand, the thieves withdrew the check.  As I am an XXXX, I handle mostly everything online, texts, and/or email. I was trying to contact and get help from Chase for over a week to no avail, so I called them, at my great demise. Anyway, they are  closing my account and charging me the $XXXX from the-supposed XXXX-XXXX. After we hung up and me crying, I checked out the check that they had mailed me stating the funds were withdrawn.  Here this check is supposedly from XXXX XXXX XXXX Company!!!!! and my somehow by signature was forged on the back of this check!!!! I have never dealt with XXXX XXXX XXXX Ever!!! I do believe I should not be charged for any of this as it was not due to me!!! I got played huge!!!!! If you need phone numbers, please let me know. I am in the process of trying to get a hold of XXXX, XXXX, and XXXX   and put an additional fraud alert on my account. I already have one due to my information being leaked out 7 times, according to XXXX, via XXXX XXXX.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stands behind my claim. I was told by a XXXX that works for TransUnion on Friday XXXX, 2016 that although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section XXXX to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

I applied to a job and this was the background check that came back. I was XXXX with XXXX XXXX that were later completely dropped. Howeve, they still show that I was not only XXXX with but XXXX  of. Which is totally completely WRONG! I was only charged with a XXXX XXXX XXXX charge. Not a XXXX  charge. Not a XXXX  charge. I was in the car with someone else that had these things. I was originally XXXX but the XXXX were dropped. Why is it not only stil showing I was XXXX  but also XXXX This is wrong. 100 percent wrong. Please fix this please. This happend XX/XX/XXXX. The disposition date was XX/XX/XXXX. XXXX XXXX clerks office definitely has a copy of this. Thank you and please make this right please.
Consumer complaint received 2021-09-20
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: CITIBANK, N.A. (FL)

I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

LoanCare, XXXX, VA XXXX is the worst Mortgage company in the US and has been a huge problem since it was purchased from XXXX. They have taken out loan pmt from autowithdrawl on the wrong dates twice, causing overdraft fees, they have taken out pmts twice in one month, they have sent letters regarding nonpayment of property taxes. My taxes are paid in full as of XXXX XXXX. I have sent them documentation of these transactions and they still say I have to send them more info regarding prop taxes. The voice mail to talk to someone takes at least 10 minutes per try. Their system disconnects or does no connect to the supervisor when requested. These people should be stopped. XXXX and XXXX have many many many complaints about this company. 
It is mortgage XXXX and they have to be shut down.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (TX)

I paid my Macys Credit card off 2 times - the first time I paid it off in full. The next month they charged me another XXXX - then again the next month. I called and they stated that they would take care of it and pay it off. 8 months later I find out when I checked my credit they never did so. They kept charging my account XXXX - I have had this card since XXXX never had an issue until this year. I have never paid a bill late. Macys never sent me a notice about the account being pass due ever. I had to close the account and Macys still shows my status as Charged off / pass due and account paid. This dropped my credit score from XXXX to XXXX. I read on line that this is happening to a large number of clients. This is deceptive and additional charging to a credit card that has been paid off - if not out right fraud.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (TX)

A charge for {$29.00} that posted XX/XX/2020 on one of my accounts was not made by me, therefore I was not aware of the charge. I received no notification that I had a balance on my credit card ( the card was previously at {$0.00} ) from XXXX. The payment went 30 days delinquent in XXXX, which is how I found out about the charge in the first place. I paid down the balance to settle the account, thinking it was a membership fee until I investigated further and realized it was fraud. I have disputed this charge with XXXX and Equifax 3 times. Neither bureau has removed the derogatory mark from my report. My dispute with XXXX XXXXemoved it on the first try, so their investigation obviously concluded the charge was fraud and verified my concern with the bank. 

With XXXX and Equifax being used so often by companies for credit checks, it is imperative that this inaccurate mark that has a massive impact on my credit score be removed immediately, for each bureau. It has already hampered my ability to attempt to consolidate my debt. These companies have a major responsibility to do better with so much power over ones financial health.