davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HOVOT Management, LLC (OH)

On XX/XX/2018 At XXXX I received a voicemail from XXXX Havet Management systems regarding a debt that was owed to XXXX XXXX. I contacted the company and spoke with XXXX and advised him that on XX/XX/2018 I had filed chapter XXXX bankruptcy and that this debt was included in the case. I provided the representative with the case # XXXX, and the representative continued to try to collect on this debt. When I advised him that he was in violation of the bankruptcy laws once given this information ; the representative continued. I ask to speak with his supervisor and also advised him that upon given the bankruptcy information calls and collections must stop. 

XX/XX/2018 at XXXX ; I received another voicemail from Havet Management systems that was and automated message, so I called the company again and advised that calls are to be stopped, and Spoke again with XXXX and was advised that was automated system. 

XX/XX/2018 at XXXX XXXX ; I again received another voicemail from Havet Management company regarding the same debt for XXXX XXXX, and again spoke with XXXX. I advised him once again that they were violating FDCPA, Bankruptcy, and other laws since they were given the bankruptcy information and I informed them if the calls continued I would contact the Bankruptcy court, and file a complaint. 

XX/XX/2018 at XXXX XXXX  : I received another voicemail from Havet Management system   from representative XXXX. I returned the call and advised XXXX that I had already provided the information regarding the Bankruptcy information and that there are to be no more calls. The representative stated that there were no records of this information, and that he would look into it and ask if he could call me back. I advised him that he could not call me back that the information was already given, and he could check that Bankruptcy court. I received another voicemail on XX/XX/2018 at XXXX. 

XX/XX/2018 at XXXX XXXX, XXXX XXXX, and XXXX XXXX I have received voicemails from XXXX again asking to return call regarding this debt. This has now become harassment and I want this company stopped
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Consumer complaint received 2020-04-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I, XXXX XXXX, tried to cash a check in the amount of {$950.00} at Chase Bank. The check was deposited and never received because my bank account was closed. I contacted Chase Bank to resolve the issue or return my check and neither issue was resolved. On the week of approximately XXXX, XXXX, 2019 ( about a year later ) They told me to come into the branch the check was deposited with my government issued ID. However, due to COVID-19/Corona Virus I was unable to comply to this request. This check is not necessary but needed for me to pay rent and buy food as soon as possible. The time lost can not be repaid but moving forward i expect the money that was my right to own be repaid in full. As soon as possible.
Consumer complaint received 2018-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

My private student loans which were serviced by Navient fell into default when I wasn't able to make full payments. At that time Navient turned over my loans to XXXX XXXX XXXX a debt collector. Upon speaking to XXXX XXXX XXXX, I was able to negotiate with them a reduced interest payment plan if I paid {$400.00} per month. According to the letter they sent me I needed to make the following payments to get on the program {$200.00} on XX/XX/XXXX ; {$200.00} on XX/XX/XXXX ; and {$200.00} on XX/XX/XXXX then upon my receipt of the next {$200.00} payment on XX/XX/XXXX my interest would be reduced to 0.0010 % and would remain at that rate provided I continued with the agreed payments of {$200.00} biweekly. All of my payments were successfully processed and still my interest rate was not reduced. I spoke with XXXX XXXX XXXX in XXXX, XXXX and XXXX when I noticed each month the rate didn't change and they promised me each time the rate would change after the " next payment. '' I then called Navient who told me they could not help me other than to say they have no knowledge of this agreement and my interest rate was still 11.5 %. I called back to XXXX XXXX XXXX and spoke with Supervisor XXXX XXXX who also promised me they would fix the interest issue and backdate it. I spoke with Navient again on XX/XX/XXXX and they said the interest rate is still 11.5 % so I sent them documentation of the letter from XXXX XXXX XXXX to show proof of the agreement. I called XXXX XXXX XXXX today XX/XX/XXXX to find out they changed their name and the reps keep hanging up on me each time I tried to call. Navient has not responded back to me to date on the issue. I don't know what else to do. XXXX XXXX XXXX is still deducting the biweekly payments of {$200.00} from my checking account. Navient is processing the payments and each payment is going to interest nothing to principal balance. Meanwhile Navient is still positing to my credit that I am not paying on my loans. The mark is failure to pay each month. They have told me they will not stop the negative reporting even though I am making payments according to my agreement. Please provide assistance.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (GA)

I was sent multiple ( at least five ) ads to open a savings account with Citibank and was promised frequent flyer points and a 0.75 % interest rate ( apy ). Immediately upon depositing the money they set my rate to 0.5 %, 2/3 of what was promised. I consider it false advertising and fraud. 

I called them and they said they have the right to change interest rates anytime they want. I've told them they have to honor what they advertised since it was on that basis that I opened the account.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

I tried to contact Equifax on XX/XX/XXXX. I went to the link on XXXX XXXX ... .at the website i began to file the complaint and after i had given them personal information and my social security information, it proceeded to a page asking for my credit card details. I then called the phone number provided to submit a claim and it was a circular automatic voice menu which never allowed me to submit a claim by phone. there was NO phone provided to actually contact a real person at Equifax. Once I did get through and gave them all my personal information to then file the complaint, she then proceeded that she needed to verify my account with all the details of credit report, not one, not two but, pretty much more personal information that was unnecessary to the complaint at hand. I found that the request for this information was highly unusual and suspect. I finally googled how to file a complaint and proceeded to read about all the complaints starting in 2012. Why is this company still being able to report on anyone 's credit standing? 

XXXX XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Date of Birth : XXXX
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from Elan Financial Cardmember service verifying this and I am attaching it. 

My balance is XXXX. I have disputed this before but Elan Financial fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

I have been a Citibank credit card customer ( almost exclusively ) for 28.5 years. I asked them to change my credit card from the XXXX XXXX Platinum card ( I'm no longer a fan of XXXX XXXX ) to a normal, cash-back card. However, they CLOSED my account of 28.5 years and opened a NEW account ( no credit history ) which immediately caused my credit score to drop from XXXX ( excellent ) down to XXXX ( 40 points ) while I am getting approved for a $ XXXX refi of mortgages. Because of the credit score change, this will translate to about $ XXXX/month in ADDITIONAL cost to me. I contacted them to explain the situation and re-open the account. They told me there was a process to re-open ( including a credit check ) and I told them NOT to check my credit again ( as it will drop further ) and they agreed not to. I was talking to " XXXX '' a supervisor in Arizona. When we discussed the situation in detail, he actually explained to me that it was a BANKING mistake ( not a customer mistake ) and because of that, they WILL NOT check my credit. AGAIN, XXXX, A SUPERVISOR SAID THIS WAS A BANKING MISTAKE. NOT MINE. He said he will submit the request to re-open the account and I should hear in 24-48 hours. However, the next morning, I was notified that Citi DID check my credit!!! I have followed up by phone, chat an even in person at a Citi branch ( spoke to the Branch Manager for over an hour ... and she had customer service on the phone ) and all I have been told is to " wait '' to see if they will re-open the account. No one can provide ANY answer or update. They just say I have to wait ( even though I was told 24-48 hours, weeks ago ). WEEKS later ( even though I have emailed and called almost daily ) I got a form letter that said they won't re-open my account. No explanation. No discussion or human interaction. Just a form letter " decline '' after 28.5 years and THEIR mistake. Now, I have to rebuild my credit ( and not be able to refi a $ XXXX mortgage because it now doesn't make sense ) because of THEIR mistake. Now, due to coronavirus response ( which is, of course, a priority ) I can't get ANYONE to even answer the phone.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (ME)

Wells Fargo has put hundreds of thousands of people on auto forebearance without consent and we were one of the accounts this happened to. We have excellent credit and have never been late with a payment. They stopped taking auto payments in XXXX due to Corona Virus. They put our account in forebearance and thus it reflected on our credit report. We are looking to get a home improvement loan and are unable to do so with our credit report claiming forebearance. 

We also received paperwork in the mail indicating we would be put on a loan status for the amount of money they didn't take from our account and it would be put on the back of the loan. 

Finally, we received paperwork via XXXX XXXX containing another person 's mortgage from PA with personal financial information. It was sent to our home and it was a complete breach of personal information! Not ours, but mailed with all their private information exposed. 

We have contacted the company and they are working to remove us from the forbearance and fix our credit score but this is unexceptable. We will be moving our loan to a local bank ASAP.
Consumer complaint received 2020-08-27
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. (TX)

There is charge off account from XXXX XXXX that appears on my credit report. I do not know what this account is and I have called the company and requested a copy of the agreement/contract and nothing has been provided to me. 

I have attempted to dispute this with the credit bureau but they ultimately say the company provided documentation. I want to see what documentation is being provided so that I can understand what this account is.
Consumer complaint received 2020-08-27
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: SCA Collections, Inc. (SC)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2021-05-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I still have not received any investigation results.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC (MD)

Im writing in reference to the Transworld Systems # XXXX account that is listed on my credit as having gone to collections. Im writing to appeal that this be removed from my credit as it is hindering my ability to rent an apartment or obtain a credit card. I was XXXX living at home and under the care of my parents who were also responsible for my medical bills. I had XXXX XXXX XXXX XXXX on my XXXX. The original XXXX happened when I was XXXX and then some surgeries followed after I turned XXXX. Unknown to my parents at the time this bill slipped into collections. As soon as we were made aware it was paid. I hope that you can see that this should not be a reflection on my ability and to secure and pay credit or rent responsibility. Thank you very much for your consideration in removing this from my credit report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AL)

I have been forced into bankruptcy, to prevent foreclosure, twice after applying for a modification with my mortgage company and being denied. Last year, I applied for a modification and explained to my mortgage company I had a significant decrease in income. I provided all the documents, but kept being denied. After being notified by family that my home was listed online as a foreclosure, I contacted XXXX XXXX XXXX  for assistance. My counselor assisted me with completing and refiling the modification papers, but due to the foreclosure/sale date, I had to file bankruptcy again to stop the foreclosure. THEN, I was approved for a " 3 month trial period '' but my mortgage company sent the paperwork to my bankruptcy attorney 's PO BOX , instead of mailing them to me at my address, or the my attorney 's fiscal business address. When my attorney called me to come pick up the paperwork, I only had 2 days to have the final modification papers/documents sent back to my mortgage company. I did not have access to a fax machine, and even if I had paid for overnight postage with the Post Office, the documents would not arrive from Alabama to Texas by the due date. As a result, I took a picture of the documents with my cell phone and uploaded them to my email address. I emailed my mortgage company all of the paperwork, to the email address listed on the modification papers. They stated they NEVER received anything from me. I sent in verification of the date and time, the email was sent and that I did not get an error message or a notification that it was sent to an incorrect email address. They said it would be under review, and I would be notified. I never received an update. I later got a statement from the bankruptcy court that my mortgage company had filed to proceed with the foreclosure and they added additional bogus charges/fees for several inspections, attorney 's fees, and legal filings. I called my mortgage company again on Friday, XXXX XXXX, 2020 to ask for assistance on reapplying for a modification ( since my online account is deactivated due to my bankruptcy ). The customer service rep, stated I can not file for a modification and I would need to speak to someone named " XXXX. '' I asked who was XXXX, and was not given any information or any means to contact XXXX?? I called my bankruptcy attorney and asked what do I need to do. I explained I have been affected by COVID in XX/XX/2020 and XX/XX/2020. I used up all of my sick time, went on LWOP, plus I am the only one in the home that is working. My attorney advised me to try to refile for the modification because my mortgage company was the reason for me filing, and I can be released for bankruptcy if they approve a modification.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX,  and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2020-04-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (VA)

In the beginning of XXXX I ordered my credit report and noticed that Westlake Financial services was on there. I disputed this account multiple times for verification and came back each time FCRA verified. After reaching out to customer service they wouldn't give me any info on this account stating that it was sold in XX/XX/2019. Westlake failed to notate that on my credit report therefore they violated my consumer rights to have an accurate and clear credit report. Even going as far as their customer service rep and supervisor telling me because it was sold I couldn't get information on the account that's still reporting under Westlake Financial Services on my credit report. This is illegal and unjust.