davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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)

in accordance with the FCRA 15usc1681 the banking system is dependent upon fair and accurate credit reporting. Everything has to be 100 % accurate on my consumer report. Equifax stated my account was properly investigated, that is not possible!!! the accounts being reported differ across all three bureaus ( i have included attachments ) this is ground for removal. Equifax has also violated my rights to privacy 15usc1681 ( a ) ( 4 ). 15usc1681b ( a ) ( 2 ) also states that a consumer reporting agency may furnish a consumer report only under the written instructions of the consumer to whom the report relates. i did not give equifax permission to furnish anything on my consumer report!!! incuded is a copy of my tracking number.
Consumer complaint received 2022-04-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have a home equity line of credit with Wells Fargo Bank. I owe about {$18000.00} on this loan. I recently had a salary increase and I'm trying to pay this loan down at an expedited rate. I find it best to make payments as money flows into my bank account, however, after making 3 payments in a calendar month, Wells Fargo will not allow me to make additional payments. In other words, I am trying to pay them what I owe, but they refuse to accept the payment. They claim I can pay additional payments but only if I have a Wels Fargo bank account, which I do not want or have. I have sent them messages via email and XXXX. I usually get a canned response like " We are looking into this '' but no other reply.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX  XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as information requested from the list of acceptable items which is only 2 are required per the law. I have provided all documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2022-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NY)

Double charging me. Filed an extension- they charged me for that too. Then the very next day I got charged full payment! They wont do a thing about it and hung up on me after I explained that I have XXXX XXXX  and zero money now. How am I gon na get gas for the car to get to work to pay for it? They dont care. They are Straight up theives!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as information requested from the list of acceptable items which is only 2 are required per the law. I have provided all documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

My parents home ( they are deceased ) has been empty and awaiting resolve for 3 years this net month. The loan has been sold from XXXX to XXXX, XXXX and now Rushmore. I am unable to get resolve in any way. The home was held in a trust, and therefore, we are not liable, however, as they hold it in limbo, I continue to receive bills for taxes and hoa dues. As well as late mortgage statements. I have tried to sell, modify and keep the home. To no evail because of their incompetency. They changed the locks over a year ago.
Consumer complaint received 2022-04-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

I have had multiple yearly discussions with Navient in order to either put my loans into forbearance, delay loans, get income-drive repayment plans, get smaller payments -- if there was an option to give me financial breathing room, then I've exhausted that option. I've dealt with daily calls. I've even dealt with being hung up on by rude customer service reps. Navient employs unethical techniques. They have sent mail to my house in different packaging in order to force more payments from me. They will send large manila envelopes with fake font that looks like handwriting and no return address in order to hide that it is Navient sending out mail. I've been pressured with litigation even though I should not have been. It's been a daily financial struggle with my student loans. I've suffered XXXX XXXX XXXX XXXX regarding my student loan weight for 12 years now. I can not buy a house or secure any type of financial stability due to the destruction of my credit score. Navient has already been pressured to settle billions of dollars of debt due to unethical practices since I've graduated. Just because I wasn't in default ( because I was pressured by Navient to keep making payments even when I barely could ), doesn't mean I wasn't harmed by these predatory practices. Please see more at XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (TX)

XXXX XXXX  hired Raush Sturm LLP to collect a debt from me. The account balance was {$2900.00} from XXXX XXXX. This action was taking after I sent my letter for cease and desist on XX/XX/XXXX. However fraud was indeed committed if the debt collector doesn't have first hand knowledge when the transaction between the original creditor and I exchanged information. This credit card company is essentially taking my social secuirty number and charging me a fiancing charge to do the paperwork equal to the amount of credit that was extended. I demand for them to show me the paperwork. I have cited several illegal actions committed. Collections Agency, can not be both purchaser and assignee- Its either one or the other ( Gearing v. Check Brokerage Corp ) 233 F. 3d 469 ( 7th circuit court 2000 ) Misrepresentation by collectors about themselves or the debt are actionable regardless of intent. 
Collections Agency if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. ( FDCPA Section 809 ( b ) FTC opinion letter CASS from LeFevre ) Collection Ageny if they use any kind of harassment or abuse ( FDCPA Section 806 ) Collector must me in the county which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit. ( FDCPA section 811 ( a ) ( 2 ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jusrisdiction, a collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) a
ny consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accourdance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I settled a charged off account with Citibank Best Buy credit card in XX/XX/XXXX. I was told the balance would be considered paid in full and even received a letter stating this. The following month it was reported to the credit bureaus I still owed the remaining balance. I had to dispute this with the credit bureaus. It is now XX/XX/XXXX. The balance shows XXXX $ owed ( finally ) however ; they continue to report my account as a charge off every single month although I settled with them and owe them nothing. This continues to ruin my credit and show as current delinquency and is preventing me from getting anywhere with improving my credit score. I have filed 4 disputes against them. I want the charge offs gone from my credit reports and further reporting of a charge off stopped. I was offered a deal and have paperwork to prove it. I paid with money order and received a settlement letter. I want Citibank Best Buy to stop reporting me as a monthly charge off for an account that I no longer owe and I paid.
Consumer complaint received 2021-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

On XX/XX/21 I set up a one-time extra principal payment of {$1200.00} through nationstar mortgage website. On XX/XX/21, I saw two pending ACH 's from my XXXX checking account in the amount of {$1200.00}. I phoned Nationstar and they had me get on a 3rd party call to XXXX to verify that both debits would go through. Basically making sure I had {$2500.00} in my account. My issue is that I only set up 1 payment. I didn't click anything twice. I didn't have a previously pending payment. I didn't receive 2 confirmations for payment, etc. I DID NOT MAKE 2 PAYMENTS, and yet nationstar deducted 2 payments back to back that morning. Nationstar agreed to reverse one and since XXXX has partnered with Nationstar, they removed the fee to put stop placement on a check I had pending for savings at another financial institution and they reversed a {$29.00} NSF charge for an ACH. I am filing a complaint because although Nationstar says they will investigate this and get back to me, they have no vested interest in exposing themselves. Also, if I didn't have the funds to cover the 2nd payment, would they have assisted me? I'm concerned that others may be subjected to penalties and fees that they can't fight.
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Remitly, Inc. (FL)

I used the Remitly app to transfer money to a XXXX XXXX digital mobile money wallet account. I need to report two transactions : Remitly Reference number XXXX : XXXX for {$50.00} XXXX on XX/XX/2022 Remitly Reference number XXXX : XXXX for {$150.00} on XX/XX/2022 These transactions are showing as 'delivered ' on the Remity app but there is no record of receipt on the XXXX XXXX XXXX wallet app. 

I am suspecting fraud from either Remitly or XXXX. 

I spoke to Remitly and was told the transactions have been delivered and confirmed as delivered by the XXXX partner bank. This contrasts the statement from XXXX XXXX that said they have not received the funds from Remitly and no deposit has been made to the recipients XXXX account.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear CFPB team, My name is XXXX XXXX. 
I have been JP Morgan Chase customer since XXXX. 
I have XXXX checking accounts, XXXX credit cards and XXXX business accounts with chase. 
Accounts ending at : XXXX XXXX XXXX XXXX Today i received a notice that they are going to close all my accounts by XX/XX/XXXX. 
I called Chase customer service and they did not give any explanation about this, as they said this was just a " business decision ''. 
I run XXXX XXXX shop in XXXX XXXX, CA and XXXX XXXX, i receive daily deposits, checks and cash deposits. All my auto pays are connected to those accounts. 
Please help me to leave my accounts open, Chase does not help me at all My contact # XXXX
Consumer complaint received 2021-03-27
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. (IA)

The attached disputes indicating several incorrect addresses are appearing on my Equifax report have been sent to Equifax via U.S. mail. Both times, I was never notified of any investigation results from Equifax. It would appear in both instances that Equifax has REFUSED to rectify the incorrectly reported information.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX  have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WA)

In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through XXXX the services of my loans. At first I was denied even access to the outsourced XXXX service providers information NelNet after finally receiving NelNets information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my XX/XX/XXXXXXXX was approved through NelNet. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from NelNet 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of XXXX increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to XXXX and NelNet to see what I needed to do. After hours of phone calls with XXXX were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to NelNet for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXXXX/XX/XXXX prompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however transuion has refused. I spoke an agent at XXXX and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by XXXX they would not remove any of the student loan accounts holding, they are reporting four of my XXXX student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until XXXX sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed on Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Transunion to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination.. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTIONS opened at XXXX XXXX {$770.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On Friday XX/XX/2021 it was in the afternoon. I notice some emails from Wells Fargo that i had made some transaction through XXXX. But i didnt authorize this transaction and i had nothing to do with it. I call my bank right way because i had no idea of what to do about it because this had never happened to me. It was four transactions two of {$2000.00}, one of {$890.00}, and the last one of {$990.00}. When I was talking to them I told them what was going on and the transactions were still on pending and i was told that they were going to cancel them and then told me to hold and then told me that a wasnt possible to cancel them. Then, i was giving a case number and that in 10 days I was going to know what was going to happened and my claim was denied because they didnt find any fraude in my account and told me that there was nothing I can do. Thats why Im here doing a claim because i still have hope that theres something I could do to get my money back.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NC)

My monthly DIRECT EXPRESS DEPOSITS WAS Hacked in XXXX. I filed complaint with DIRECT EXPRESS. WAS ISSUED New Card, but No Refund. I understand they suppose to give a PROVISIONAL CREDIT while investigating, but NOTHING. 
Over {$1200.00} was Hacked from my Direct Express. Please get my Money Back soon.