davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have contacted Equifax on multiple occasions now via online, fax, and mail requesting a security freeze be added to my credit file, and they are repeatedly finding ways to intentionally circumvent my request. These range from stating that the documents I have sent to them are illegible to not being able to verify the information provided matches the information in my credit file. They are refusing to assist further with this issue or comply with my request.
Consumer complaint received 2019-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

On XX/XX/2019 I made a payment to my son 's student loan. I gave the loan number to the representative to apply the amount to the loan. The following week I checked and the payment was sent to Treasury and not applied to the loan. On XX/XX/2019 I made another payment to one of my son 's loans and this payment was not applied to the loan even though I got an confirmation number. My son requested forms for autopay and they sent the incorrect forms. Apparently there is one for private and federal loans. My son put me down with Navient that I can talk to them and when I did they refused to assist me with sending the requested forms to me. I wanted to make payments from my account directly to Navient knowing that it would reduce the interest rate. They are trying anything to delay this process instead of assisting a person. I, as the mother, have spoken to different representatives of Navient and they all have different answers and none of them really knows anything or they would be able to process payments made to loans when loan numbers are given. It is very frustrating to deal with them and it shouldn't be that way. But anything to delay payments made to loans in order to get as much interest as possible. This applies to Federal and private loans. They are both processed incorrectly.
Consumer complaint received 2019-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NV)

I opened an account with Citi last year. The initial deposit didn't go through due to computer system error. I was told that I can deposit later. I received a bill for the monthly maintenance fee as well as overdraft fee even though I never used the account and I was not able to make a deposit, due to a bank error. I tried to dispute the charges but the bank refused and closed my account instead. I demand the account to be opened immediately at {$0.00} balance or I'll seek Justice via trial by jury as granted by the 7th amendment. It's shameful, unfair and frustrating to have my financial reputation ruined due to a bank error.
Consumer complaint received 2017-02-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

Ever since I moved into my apartment, I have been receiving the same junk mail from Chase Bank. I have called repeatedly to request to be removed from their mailing list and also requested to be placed on a do not mail list. Every time one of their representatives would assure me that everything has been taken care of. However, without fail every month, I will still receive the exact same piece of junk mail advertising their promotion to get {$500.00} if I open an account with them. Every time I call them to complain, they either give me false assurances or they redirect me to another phone number and line, but they refuse to address the issue at hand.
Consumer complaint received 2019-11-09
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. (FL)

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

I applied for a credit card through Wells Fargo at XXXX XXXX in XX/XX/XXXX to take advantage of a promotional payment offer. I was approved and made my payments on time until the balance was {$0.00}. My account was inactive from XXXX or XX/XX/XXXX until XX/XX/XXXX. 

In XX/XX/XXXX, I went to XXXX XXXX for a routine check of my credit. While on the app, I noticed the Wells Fargo store card was reported as closed by consumer. I was nervous as I thought I was a victim of identity theft, so I contacted Wells Fargo by phone to discuss the account closure issue. The phone rep explained that my account was closed by the bank for inactivity. While on the call, I retrieved the XXXX XXXX XXXX agreement ( revision XXXX ) and did not find any clause authorizing Wells Fargo to close the account for cardholder inactivity. I mentioned this to the rep ; she informed me she would escalate my issue to the Executive Department who would review my situation and notify me by mail of their decision. 

One week later, I received a letter from Wells Fargo saying they rejected my request to have the account reopened. I went to the Wells Fargo website to retrieve the credit card agreement and noticed that Wells Fargo made a new revision of their agreement ( revision XXXX ). 

This has negatively impacted my credit in that my credit utilization percentage was increased by this decision. Wells Fargo did not send any notices informing me the account would be closed due to inactivity. I believe Wells Fargo has violated the terms of their credit card agreement with me.
Consumer complaint received 2019-11-08
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. (IL)

In XXXX and XXXX of 2019, there was an error in the XXXX XXXX computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from XXXX. When I tried to call XXXX back, the number is disconnected and they have moved my loan to another company.
Consumer complaint received 2016-05-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (UT)

I am currently in a Chapter XXXX bankruptcy. The Chapter XXXX Trustee has paid money to my mortgage, but the money is still sitting in a suspense account. The mortgage comapny will not allow the funds to be applied to the loan, nor will they let me make a payment to get the amount to a full payment so that it can be applied. I have about a year and a half left in my bankruptcy, so Chase will continue to earn interest off of the money I 've paid in through the bankruptcy, puls I 'll be paying extra interest on my mortgage for that entire time.
Consumer complaint received 2018-04-09
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. (VA)

From XX/XX/XXXX to the last letter on XX/XX/XXXX, I have sent several correspondence letters to Equifax to fix errors on my credit report. I have sent in dispute letters as well as a police report and FTC ID theft report and yet these accounts remained on my credit profile. XXXX  and XXXX   conducted their investigation and concluded with removing these items off of my credit profile because they did not belong to me.The next step is litigation after I have repeatedly given information and reports that were asked of me to get these fraudulent items and balances removed from my credit profile. Furthermore, no information is given from Equifax to debate the information I have sent them. This is not how the FCRA dictates these investigations to be completed. A thorough investigation must be conducted and all individuals or documents received from he furnisher should be given which caused the verification must be released to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Equifax is well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

Equifax has ignored my request to provide documents that they used to verify the disputed accounts which means that Equifax have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA, which required you to delete the items when I provided evidence of ID theft. I have repeatedly completed my job to rebut any fraudulent issues on my credit profile.
Consumer complaint received 2017-03-04
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (WI)

Creditor, continues to change the amount of debt upping by XXXX dollar a month to hurt my credit more. Currently the balance owed keeps going up from original amount, just to continuously drop my credit score. Falsely showing I owe more than I do..
Consumer complaint received 2019-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amscot Corporation (FL)

Amscot Corporation says I owe {$500.00} on a money order from XXXX XXXX given to me by someone who owed me money. I cashed a {$200.00} Money Order which was fine and then q {$500.00} MONEY Order as well both from XXXX. I'm not responsible for a Money Order that didn't process. I'm a XXXX year old widow with XXXX and I'm barely surviving. I need these people to stop calling me every single day and night.
Consumer complaint received 2015-08-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

Since the 1980 's possibly sooner my father has fallen a victim of the deceptive practices by large banks and real estate investors, i.e. Wells Fargo XXXX, XXXX and more no relief ever and most recently all his claims been erased from the system including email access. XXXX and Wells Fargo, also more. Remodifying his loans and refinancing illegally making him beleive he is in debt also foreclosure most recently as well as selling contracts out from under him illegally claiming interest or equity. Forcing sell or foreclosure.
Consumer complaint received 2019-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I am filing this complaint against Wells Fargo due to the malicious nature in which they handled my review for mortgage assistance. 
On XX/XX/XXXX, I applied for mortgage assistance. The review was concluded on XX/XX/XXXX with Wells Fargo stating that they could not create an affordable payment. They claimed that our household income was calculated at $ XXXX/month. This is false. The application and bank statements verified this. 
We were given a chance to appeal and we sent in bank statements again, on XX/XX/XXXX to back up our income. On XX/XX/XXXX, they again denied assistance for the same reason. It was informed that the income was calculated as so because my husband is a 50/50 owner of a business and split his income. 
What made no sense was the bank statements and our application ONLY showed OUR income and NOT his partners. We are the applicants, so its common sense that that what we provided is ours and ours only. On XXXX XXXX part, we feel that this was done with crooked intentions. They deliberately cut our income in half to deny us the chance to keep our home. 
On XX/XX/XXXX, these falsified results were disputed. A rep named XXXX advised us to draft a letter informing that all income shown and provided is ours, only ours and all 100 % of what the P & L and bank statements show are ours as well. It was also suggested to request our income to not be cut in half. The letter was drafted to include in a file for re-application. 
A new application with all current and up to date documentation was sent on XX/XX/XXXX. The bank statements had all of my husbands deposits highlighted. The letter as suggested on XXXX was also included. 
Finally, on XX/XX/XXXX my application was again denied for the same reasons as the previous. This time they had calculated my income as {$1900.00}. This is a total lie and totally fabricated. The bank statements show almost 3 times this falsely calculated income. The bank statements also show only our name as well, NOT his business partners as well. The letter stating that all income shown is 100 % ours was also blatantly ignored. Wells Fargo has refused to acknowledge any wrongdoing or any remorse for their crooked mishandling of my application. 
I had placed my trust in Wells Fargo to do the right thing for my family and all they have done is falsify information, lie to us and cause me extreme grief and stress. I came to them to help me in remedying this situation and all they have done is spit on us. I have lost months of sleep. I do not want my children to suffer or to lose their home. I feel very helpless and am hoping that you can help. Why are they cutting our income in half and ignoring our request that they themselves advised us to write up? I am truly horrified with this experience and never knew that Wells Fargo could be so malicious. Please, I just want them to review my application without and of the crooked games. We just want mortgage assistance so we can go back to paying the mortgage again.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Related Case number : XXXX Related Case Number : XXXX I recently contacted the original creditor to re-investigate the error from XXXX requesting an unpaid balance. Upon further investigation the original creditor found a mistake on their end and apologized for the mistake and inconvenience they caused me for that past four years. XXXX emailed IQ Data and myself the correct balance owed, which is {$18.00}. I have attached the updated and correct ledger showing the correct balance due of {$18.00}. IQ Data please mail a Letter showing the previous balance as incorrect and stating the correct updated balanced due. In addition, please add to the letter that the account is Paid and Closed and please delete this Mistaken account from my credit report as XXXX made the mistake and is at fault. But I 'm glad the issue has been resolved. Thanks ...
Consumer complaint received 2019-11-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC (MD)

I am writing to request your help. I have a mortgage with Loancare ; account number XXXX, opened date XX/XX/XXXX. This company is reporting a late payment on my account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have mortgages dating back to XXXX and I HAVE NEVER BEEN LATE. Back in XXXX, I processed the Loancare payment online and for any reason, their website indicated that the transaction was successful. I realized that the payment was not submitted until XXXX, when they called me. I have been told that they have a terrible website and I confirmed that on XXXX. 

They are being unreasonable because THEY NEVER HAD CALLED OR MAILED A NOTIFICATION until XXXX and nothing in XXXX when the payment was late. The FCRA requires any debt collector company to notify the consumer when a payment is due. 

Loancare is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. The first time a live person called was XX/XX/XXXX after the payment was due, WE IMMEDIATELY PAID. 

This is a joint account, therefore, two people are being affected by this companys NEGLIGENCE and UNFAIR BUSINESS PRACTICES. We have a Pending mortgage for {$300000.00} because of this wrong information being reported. 

I am demanding a Deletion letter from Loancare. This inaccurate mark must be removed or corrected ; otherwise, I will not have another option but FILE A LAW SUIT for all the violations committed. 

Attached : Bank account as proof of that I had enough funds to pay.
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (UT)

XXXX XXXX has received the police report from the XXXX XXXX police department XXXX is the report number. I am not responsible for this debt. XXXX XXXX  removed the debt but continues to keep selling this debt to third part debt collectors.
Consumer complaint received 2023-06-18
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-11-01
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. (GA)

I have submitted repeatedly to Equifax and XXXX to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They are refusing to remove these fraudulent accounts from my report
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I tried to get my credit report from all 3 bureaus and I was able to get it from two, XXXX and XXXX, but Equifax wasn't table to send it because they say they don't have a record on me on file, even though the other two bureaus have all the correct information.

I've been living in the US for 18 months, have a work visa ( XXXX ) and a social security number as well, have credit cards and other credit lines with no problems.

Equifax sent me a letter stating that they don't have a file on my name and they even misspelled my name in the letter they sent, totally unacceptable and worrisome. My name is XXXX XXXX XXXX, not how they spelled it.
Consumer complaint received 2023-06-18
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my XXXX, XXXX, TransUnion consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX XXXX  opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXXXXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute 11 : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : XXXX  XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXXXXXX XXXX  made on XX/XX/XXXX Dispute 17 : XXXX XXXX  made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have a new flood insurance and was given to the company weeks ago this is a new loan with new flood insurance, on XX/XX/2019 Loan Care received the information and has not updated my monthly payment which is to be lowered. My mortgage is due in 2 days and still no new monthly payment. I have reached out to Loan Care many many times and still no conclusion. I also sent a request through Loan Care website as instructed to by a representative of Loan Care. Have been told it will be updated by XX/XX/2019 and as of today XX/XX/2019 payment has not been updated.
Consumer complaint received 2019-02-23
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. (MO)

Equifax is reporting unverified accounts in collections. Accounts have been disputed but Equifax failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX- {$310.00}