davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CO)

I was on a trial modification plan and my loan was transferred to a new service provider on XX/XX/XXXX. My modification was canceled after the payment from previous servicer was not transferred and my home was foreclosed on and sold on XX/XX/XXXX. I was told to send the document showing patent previous servicer. I did that on XX/XX/XXXX. I didnt receive a response, so I assumed I was fine. Later on I find out that the servicer sent correspondence via email but it went into the junk box. It stated that the file format I sent the document in was not acceptable. So, Ive since re-sent the document after finding out this information in the correct file format. I was also told by my point of contact at loss mitigation that upon receiving the document it should not affect my trial modification. And also because the loan was just transferred to a new servicer theres a 60 day grace on all new transfers. This was a wrongful foreclosure. The new servicers phone lines have been busy and it asks me to leave a call back number but I never received a return call. I tried to make my payment online but was blocked, I tried to make payment on the phone via automated system but was blocked. I called nearly every day and when I finally get through to a representative Im told the trial had been canceled and that Id need to reapply. This was on XX/XX/XXXX when I was told to reapply without being told that my home was going into foreclosure sale on XX/XX/XXXX. Why tell someone to reapply if the home is being sold the following day? Very misleading and confusing. Please help!!!
Consumer complaint received 2019-01-10
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. (OR)

I called the 3 credit bureaus to put a personal statement on my report. They asked me the usual questions in regards to verifying me, but they asked me a bunch of questions regarding my student loans. They were trying to get me to verify that I took out the loans and I said I did not. This was the whole reason I wanted to put an identity theft tag on my personal statement as I am fighting with XXXX about it currently. I tried to talk with Equifax before about the identity theft of 2016 and to dispute items on my credit report and they made it impossible for me to dispute them. Its like they want to have negative things on my credit report. So I had to claim bankruptcy. When I applied for a loan for a house last year, they said that I should be able to request a personal statement, So this is why I called the credit bureau. XXXX  told me after about asking at least 20 questions that I still was not verified. They would ask questions like what was the balance on your credit card two years ago? This is ridiculous. I spoke with XXXX and I told him because he was in a foreign country, I wasn't sure I was speaking with Equifax. I said I wanted to talk with a supervisor who was English speaking and they sent me to another foreigner who asked the same questions that XXXX said I got wrong. I am very uncomfortable after what happened sharing any information about myself, let alone being asked 20 questions. My student loan accounts are inaccurate and I never took any loans from anyone other than XXXX XXXX who sold them to XXXX. I cant even put a dispute in or put a personal note about what happened 2 years ago due to credit card fraud.
Consumer complaint received 2023-03-21
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. (SC)

On XX/XX/23 a hard inquiry appeared on my XXXX credit report in the name of XXXX. I called XXXX. They bounced me from agent to agent and then finally told me to call the phone number associated with XXXX  showing on my credit report. I called the number and the system demanded my account number or social security number just to speak with someone. There was no option to report fraud or any option to speak with a human w/o entering my social security number. I finally got through to an agent who simply told me I had no account and that I needed to contact XXXX to have the hard inquiry removed. Below is the contact information that appeared on my credit report. 
Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2019-01-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (FL)

I was in a panic over not being able to pay my bills, because my son, who was living with me lost his job a few months earlier and I alone was not able to pay my bills. I was short each month by the {$1000.00} my son had been paying me. I had a low credit score and already had 2 personal loans and some credit card debt. I was desperate and took out a XXXX XXXX XXXX XXXX XXXX loan for {$1000.00} in XX/XX/2018. They deducted the 1st payment on XXXX for XXXX, ( {$380.00} of that was INTEREST ) after that I would have {$480.00} taken out for the next seven months. I was able to negotiate with them to deffer my XXXX payment to the end of the loan, which helped some. 
When I finally came to my senses, I realized that over the term of the loan which was 8 months I would be paying them {$3700.00} for a loan for {$1000.00}. Can they legally charge that much interest?
Consumer complaint received 2019-01-10
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. (CA)

According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT
Consumer complaint received 2020-11-30
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: Total Card, Inc. (CA)

I already reported this? Repeat myself?! # 1st, this sloppy credit card starts with XXXX XXXX, these petty thieves kept charging me for unordered unauthorized overpriced junk made XXXX XXXX!! I had to raise XXXX and get angry with these inept credit card employees, The card was closed so XXXX could NOT scam me!!! Now 45 days later NO competent resolve from total visa, some inept employee today, tried to undermine that fraud and unauthorized charges is not deceit??? XXXX  and unacceptable, these greedy thieves at total visa expect me to pay for fraudulent charges made by XXXX XXXX!!! I made a 1 time purchase, thats it? simple, I did not agree to be scammed, ripped off with a continuous and phony subscription of 12 more generic made overpriced XXXX XXXX? How XXXX  is that?! # FTC says to tell these blundering derelicts at total visa, to file a dispute and/or charge back, these inept employees tell me this my problem? NO it is there responsilibilty to get my money refunded that was scammed from my credit card?
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

On XX/XX/year>, I went to this bank to cash a check from my account located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( U.S. Bank ). As soon as I entered the bank branch I was told to sit down. I noticed that there were no tellers or personnel manning the windows where cash is disbursed. I pointed out the teller windows to the two women who were seated across the branch at tables and they both told me to sit down. At this demand to sit down, I made my way to where I have cashed my checks before, telling them annoyingly, that this is where the cash is held and I await them to cash my check. Shockingly, XXXX of the women begrudgingly got up off her chair and stormed up to the teller window, unlocking doors along the way. I told her that ever since I was XXXX years old, this is where checks are to be cashed, money counted, and safely put away in my wallet in relative privacy pointing out the fact that never have I had to sit down at a private desk on the opposite side of the building to cash my checks -- ever. This person rudely stormed off and refused to help me. Then, the other woman came up to the teller window and was unable to open her computer. She then opened my account using her personal cell phone and finally cashed my check. No apologies from anyone. These people obviously need to be fired and properly trained bank officers must be installed to run this branch. I have had very good experiences at other U.S. Bank branches, but not at this XXXX branch.
Consumer complaint received 2023-06-13
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. (CA)

I reached out to each of the three credit bureaus by mail on XX/XX/XXXX, regarding the XXXX XXXX XXXX account XXXX. I asked each of the bureaus to investigate this account because I saw inconsistencies on the payment histories across each of the bureaus. The three bureaus conducted investigations and got back to me in writing concluding that all of the information concerning this XXXX account is accurate and verified by the creditor. 

Still, the credit bureaus continue to report inaccurate information. For instance, XXXX reports this XXXX account as being XXXX days late on XX/XX/XXXX, which is different from XXXX reporting 180 days late on XX/XX/XXXX. The XXXX report indicates that the account was CLOSED on XX/XX/XXXX and the other two bureaus do not indicate as such. Moreover, Equifax does not list any payment history at all for this account. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), once inaccurate information is identified, the credit reporting agency shall delete the information from the consumer 's file.
Consumer complaint received 2019-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I submitted my re-certification for Income Based Repayment plan to FedLoan within the deadline window in XXXX. In XX/XX/XXXX I was direct debited for my standard repayment plan ( without adjustments for income based ) which was {$280.00} higher than it should have been with my income based plan XXXX a total of {$550.00} XXXX. I called to ask why this happened and was told it was because I submitted the documentation too late. I was nearing the deadline, but submitted all the paperwork prior to the deadline and was approved for a new amount and sent confirmation of this before the payment direct debited in XX/XX/XXXX. I was told to call my bank to deny the full amount of direct debit and get my money back. I did this, but then my non payment was marked delinquent. I was told it would take 45 days to resolve this through a payment override request at which time they would bill for for the correct amount XXXX {$270.00} XXXX and the extra {$280.00} would be cleared and not marked as a payment due. 

I waited the full 45 days and when I hadnt heard anything, I called. I had to re-explain my story to every person I talked to and kept being told it would be processed eventually. Finally, at the 90 day mark, I spoke with someone who told me it could be expedited. He did this and it was processed in another week. I was called and told to submit the payment of {$270.00} and an employment certification form for PSLF. I did both and not only were my payments for XXXX not counted towards the PSLF, but the {$280.00} did not get cleared from my account. Since I was marked as delinquent in XXXX, they keep applying every new payment to the oldest amount due, which is causing every payment Ive made since then to be marked as delinquent. I called and asked about this and was told they had to review the delinquency and that the override request I had submitted in XXXX was never intentioned to clear the {$280.00}. They could give me no timeline as to when this would be reviewed or resolved. It has now been 4 months of dealing with this. Every time I call, I speak to someone different and have to re-explain and they refuse to give me a caseworker to help resolve this situation. 

I also have a letter from XX/XX/XXXX asking me to re-certify my income based plan, which states that if I dont, the payment will increase in XX/XX/XXXX ( which doesnt make sense as to why my payment increased in XX/XX/XXXX )
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I opened a account with Bank of America for my mother because there was fraud done at moms XXXX XXXX by a XXXX XXXX The account was opened XX/XX/XXXX. Bank of America flagged the account because of the fraud and froze the account. They said they had to investigate and therefore would close the account and at the end of the month they would issue a check with the funds 10 days after the account was closed. We are now XX/XX/XXXX and still no check. I called again and was told yet again it would be closed the end of XXXX then have to wait another 10 days. I have called several times and keep getting told it will be the end of the month and check will be mailed. The has been several months now. When I ask why they say that's all the information they have. I go into the bank and they tell me to call the XXXX XXXX  No help at all!
Consumer complaint received 2024-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (NC)

Today makes the XXXX time I couldnt make a online purchase with this company the other one was back in XXXX my card got declined several times during check out I called and informed them I could not make a purchase for a little over {$85.00} fidelity swore they wasnt blocking my card to where I couldnt use it but I know otherwise fidelity doesnt give straight answers and doesnt fix the issue which led me to filing a complaint. I just filed a complaint a few weeks ago about card issues Its because this company doesnt address anything They just told me they dont know why my account is suspended or etc I said either way Im not able to use the card and I dont want them to retaliate against me so this time I am looking for some answers this route either way my card should not be declining if I was in a serious situation, it would be a very sad thing this is for my account ending in XXXX I also finally called the other company and they told me that it is not on their end for my card not accepting the order also I have my account on paperless statements and every month this company still sends me out statements and the mail kicks back to my old address and gets returned to my old addresses causing my entire account to send me emails saying I have to call in to verify my information in order to use my account I have had a lot of issues/ concerns within the small about of time of having the fidelity rewards credit card to where its getting frustrating keep putting in complaints about the same stuff I also noticed they used to be a messaging system where you can send him a message online and I dont see it online anymore so I have to automatically call them all the time so thats very inconvenient to me as well as in this situation I couldve sent him some screenshots of what I was looking at for my decline card either way as of today my card is still not working. I also noticed when I call in this company asked me an extensive amount of verifying questions that takes a lot of energy and Im not sure why they have that going. Also, every time I use my username and password to log into their website, Im always asked to have a passcode get sent to me. They have a two-step verification enabled on my account which I do not prefer to use, but the problem is if I put my username and password in and didnt have another option for a security code to get sent to me. I will be locked out so I would like them to remove the security 2 step off my account that comes after I put my username and password in thank you
Consumer complaint received 2020-11-19
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. (PA)

On XX/XX/2020, I wrote to Equifax, XXXX and XXXX  requesting an investigation into items that I believed were INNACCURATE To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/2020 I sent another Letter to the Bureaus and to date i still have not received a reply or acknowledgment. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2020-06-26
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. (MI)

My name is XXXX XXXX and I keep keeping a XXXX collections put back on my credit in the name of XXXX XXXX. I keep having it removed and it is placed back on my credit without my consent. XXXX XXXX XXXX is currently reporting it to Equifax for {$1200.00} even after I have won my dispute. I have contacted XXXX twice to resolve the name issue and XXXX XXXX  once.
Consumer complaint received 2019-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

Received notification from US Collections West on a debt that was due in the amount of XXXX on XX/XX/XXXX for the XXXX XXXX. I asked for verification of the debt. US Collections West responded with documentation, showing that I was in court and had lost the decision. I was never summoned to appear in court, and was never notified of such hearing. I do not believe I owe the debt due to properly terminating my lease with the XXXX XXXX, and moving out at the end of my lease. On XX/XX/XXXX I received another notification from US Collections West saying my debt needed to be paid or I would face another court hearing. I followed up with another letter and no response. I spoke with XXXX XXXX on the phone, who was identified as my debt account manager. XXXX was very condescending and derogatory towards me, and was being very forceful in her tone. On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX saying they would start garnishing my wages. I responded to Mr. XXXX by mail asking him to verify my debt, which I did not receive any response. On XX/XX/XXXX, I received a letter from my accounting department at work stating that my wages would be garnished starting with my next paycheck. I reached out to XXXX XXXX, and she refused to answer my calls. After finally speaking with her, she stated she would only cancel my garnishment if I paid in full, plus court costs in cash. If not, my garnishment would still be active and would be levied. I have never dealt with such an unprofessional person and company in my life. US Collections West is full of scam artists who are just trying to take every cent away from innocent people.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX Account XXXX : XXXX
Consumer complaint received 2019-01-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WA)

My loan servicer AES will not follow up with the lender XXXX  ( XXXX XXXX XXXX ) about my application for cosigner release. I meet all the requirements they advertised to qualify for cosigner release and XXXX XXXX tactic now it to just ignore the application, which was sent almost a year ago now. Whenever I ask for a status update from AES they give me the dismissive response that " the lender hasn't replied yet, sorry ''. Cosigner release was a advertised benefit of good payment history and good credit. It is false advertising to then ignore and deny applications for the benefit.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Kohls credit card. They closed my account in XX/XX/2018. They stated the reason it was closed was " Principal owner ( s ) have past, present or pending legal action. '' Well I have NO legal actions. This is not a valid reason. And I have no lawsuits with Kohls. They are just closing my account under false pretenses. This is just a made up  reason.