davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I was in the process of trying to co-sign for an individual but couldnt do so because I had unfair and unusual credit reports on my account which didnt make me a qualified applicant at the time. 

Upon discovering the fraudulent entries, I have taken immediate steps to rectify the situation. I have reported the fraudulent activity to the credit bureaus and have initiated the dispute process to have these inaccuracies removed from my credit report.
Consumer complaint received 2024-02-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (WV)

Hello, I contacted direct express back in XXXXXXXX XXXX XXXX  about a purchase on my account thats wasnt me nor authorized by me. They gave me a temporary credit until they went into my account and took the money back out my account and was told that the company has time to send in any evidence or facts of it being my purchase. I was given a date that I would receive my funds back to my card which was suppose to been XX/XX/XXXX but instead I was told that my information came back from the merchant, I requested those documents by emails which took direct express 3 weeks to send after requesting the documents twice. Once I seen the documents it had none of my information for purchase just my address. I also contacted the merchant that charged my account and was took that none of my information is in their system and that my card is not on their file but I was charged from that company. Direct express has poorly investigated the fraud on the investigation made his own discretion to not reverse my fund back into my account because of what he personally feels not because the company gave them actual facts of my making the purchase. I already have a police repost for identity fraud on a person I believe maybe took funds for my account. They refuse to return my money without a good explanation. Next step lawsuit with all my evidence that I have to clear my name but I will like to resolve this matter without the extra leg work.
Consumer complaint received 2024-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

My XXXX file ( log showing my loan payments with XXXX ) shows my loans under forbearance  from XXXX to XXXX, however I was not in forbearance  during this period ( XXXX  of loan payments made during this entire period except during COVID forbearance ) and have certified employment during this entire period. 

As per the XXXX waiver, a file marked in forbearance for XXXX  months or more ( even though I was not in forbearance ) as per XXXX rules, would qualify for XXXX. 

I do not see XXXX  payments counted during the XXXX time frame at all. COVID time counts from XXXX should all count regardless, but I should have XXXX qualifying XXXX  counted from XXXX to XXXX under XXXX waiver rules. 

Even without the XXXX waiver, I have receipts of qualifying payments from XXXX, a time period where my loans were held by XXXX. None of these payments are even showing up on XXXX as qualifying payments. I have electronic copies of these receipts for this period of time if needed. 

I have contacted MOHELA both online and via phone about this issue without resolution.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

I received a late fee on my card and as soon as I realized it was late I paid the balance in full and called to try to request a fee waiver. I explained to the agent that due to COVID I can not afford a {$40.00} late fee and because we suffered a loss of income recently. The agent said there was nothing they could do.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

i made numerous attempts to rectify this issue and they only deleted one account off my report. XXXX failed to verify my accounts on my report. the information is inaccurate should be deleted immediately. this is the second complaint im filing and should be the last.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (PA)

I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in XXXX months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.
Consumer complaint received 2021-08-03
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: DISCOVER BANK (CO)

When I contacted Discover Card regarding a refund from XXXX XXXX for bait and switch tactics they were at first very nice and cooperative and sympathized with me. Then they decided the opposite and went against me and then claimed they were no longer a credit card company but a " document company '' and thereby reversing my refund. XXXX has bribed Discover to never allow refunds, which is legalized theft. Bogus " credit '' with an airline simply is a lie as I have shown Discover and they continue to ignore the theft. Keep in mind I'm being punished for NOT allowing myself to be stolen from hence the cancellation of my trip when the price kept going up and up and up for no real reason so I just stopped the whole transaction and have to pay them for nothing and their claim of a credit is a lie.
Consumer complaint received 2021-07-06
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. (MS)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (MD)

Unknown person opened a credit card in my name, and made a charge with XXXX XXXX for {$200.00} on XX/XX/2015. This was identity theft/fraud. 

The debt collection agency, Aldous and Associates, has said they need a fraud report in order to wipe the charge from my credit report.
Consumer complaint received 2021-01-27
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. (FL)

There are four late payments on my credit report for which I don't recognize. The account numbers don't match and it is all incorrect, therefore, I'm demanding the removal of those items pursuant FCRA 623.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK (TN)

I applied for a checking account with First Horizon Bank on XX/XX/2020 and was immediately denied for their free checking. They use a system known as XXXX  to measure worthiness of banking with this institution and provide a score and report based off of several factors. The reasons listed from First Horizon that I was denied the ability to open a checking account were 1. TIME AT CURRENT ADDRESS 2. TIME SINCE NON-DDA INQUIRY ACTIVITY 3. ASSET OWNERSHIP HISTORY 4. NON-DDA INQUIRY OR RETAIL ITEM HISTORY. I immediately ordered a report from XXXX  to discover that there are few incorrect pieces of information on the report, but otherwise nothing negative. I was given a " wealth index '' score and scored low due to the fact that I own no property, I have no other derogatory marks. I called the local branch and asked them to explain to me why I was declined. The person I spoke with asked to see the reports and after looking couldn't really say much of what was wrong other than the line that says " non-derogatory marks '' which for me is listed as " 4 ''. I asked if non- meant something I am unaware of because non- to me means " not '' derogatory so I still did not understand why they were declining me for a simple free checking account. She ended up being over the conversation and said that she was sorry, due to their regulations there was nothing she could do to open a bank account for me. She stated directly to me that they do not serve customers who " have mismanaged their finances '' and who have " poor credit. '' I am not a person of color, but I am young and I have little wealth. Thus, this institution has determined I can not bank with them and they will not look at my personal situation and road to recovery to do so. I would bet a ton of money on the FACT that the majority of the people they decline would lie within certain regions, be of certain wealth levels, and include a majority of people of color. XXXX  goes further than a soft credit check and contains inaccurate information that is nearly impossible to dispute, the branch was unempathetic to this and as I mentioned, went as far to insult my past claiming it as irresponsible, and further denying me a chance to bank locally.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (GA)

Good Morning, My name is XXXX XXXX and I purchased a vehicle from XXXX XXXX in XXXX Georgia XX/XX/XXXX. I was charged {$15000.00} down payment and financed the remaining balance of {$10000.00} through Ally Financial. I Got behind on payments vehicle was repossessed XX/XX/XXXX. XXXX being told to that the dealership I purchased vehicle from bought it from Ally Financial XX/XX/XXXX. In the amount of {$14000.00} which is more than what I owed. Ally Financial refused to pay me the overage amount. Also telling me thats on the dealership. Dealership also refuses to pay. Highly frustrated to get screwed around like this and neither party is willing to pay whats owed!
Consumer complaint received 2021-07-07
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: ID Analytics, Inc. (TX)

Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number XXXX also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Dovenmuehle Mortgage, Inc. (NH)

I have been in the process of a loan modification for quite some time. I thought that it was all going to finally be over when I made the double payment they requested on XXXX. They sent me the modification paperwork which was signed by me ad my husband and sent back notarized on or around XXXX. I called to acknowledge their receipt and they confirmed they received my signed documents and it would take 30 days to process and sent back to XXXX XXXX XXXX and out of loss mitigation. I also confirmed with the associate that the next payment I had to make was XX/XX/XXXX as stated in the paperwork. They agreed with me. I called on XXXX to make payment and check on the status of the modification getting processed. The gentlemen informed me they could not process the modification because the amount was not matching up with the paperwork they sent me. He said I had to make two payments for them to process the modification. I made the payment on XXXX and and the second payment on XXXX. They told me I would be all set now and it should be processed in a couple weeks. I called to check on the status a couple times and they still said it was still waiting to be done. I called to make my XXXX payment on XXXX and the person said it still was in underwriting and not processed yet, they were not sure why. I received a voicemail for a call back on XX/XX/XXXX and called that evening. The person I spoke with told me they were calling because I missed XXXX payment. I went through all my records with her and told her the payment was made. She told me the person who took the payment put it towards XX/XX/XXXX ( a mistake made by them not me ) She then proceeded to tell me that if I didnt make another payment my modification would not be processed. I was not allowed to speak to ay supervisor. I explained to her all the payments that were made after the modification paperwork was sent. XXXX {$3100.00} to go towards XX/XX/XXXX - XXXX {$3100.00} to go towards XXXX payment XXXX {$3100.00} to go towards XXXX payment. She told me the only way it could be fixed was to contact the research department ad gave me their email. I emailed them XXXX and have not heard back anything. I sent a follow up and still nothing. This modification process has been taking almost a year and it is absolutely unacceptable I am being punished for someones error. Every day longer this take my credit takes a toll.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IL)

I am disputing how NATIONSTAR/MR COOPER/RIGHTPATH SERVICING has changed how they report my mortgage balance to all ( 3 ) credit bureaus. Prior to and during my CARES ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification before NATIONSTAR/MR COOPER/RIGHTPATH SERVICING purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, NATIONSTAR/MR COOPER/RIGHTPATH SERVICING suddenly decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least 5 years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because NATIONSTAR/MR COOPER/RIGHTPATH SERVICING gave me no options to come out of the forbearance like most customers normally could. It was after fighting, pleading and begging them for MONTHS on end did a nice customer representative take pity on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then lumped into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$120000.00} to a new mortgage balance of {$190000.00} on my credit report. This drastic increase has caused my XXXX XXXX to drop XXXX points w/ XXXX XXXX XXXX and a whopping XXXX points w/ XXXX. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested NATIONSTAR/MR COOPER/RIGHTPATH SERVICING service my mortgage loan in the 1st place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the CARES ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my CARES ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$130000.00} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$130000.00}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

Regards, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am exercising my right under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, to request that you exclude my information from any reports or disclosures provided by ChexSystems.

Additionally, I would like to bring to your attention the fact that, to the best of my knowledge, there has been no formal written instruction from me, the consumer, authorizing the furnishing or sharing of my information with ChexSystems. As such, I am concerned about the inclusion of my information in any reports or disclosures provided by ChexSystems without explicit consent. 
I kindly request that you promptly process this opt-out request and confirm in writing that my information will no longer be included in any reports or disclosures provided by ChexSystems.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : Collection account Account Number : XXXX
Consumer complaint received 2024-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (MA)

On XX/XX/2023, I opened two accounts, the Smart Advantage Account and the Relationship Plus Money Market, with BMO through their website ( Accounts and account number shown as Attachment XXXX and XXXX ). I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made two distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the Relationship Plus Money Market account through the XXXX website ( Transaction in XXXX shown as Attachment XXXX XXXX. However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund ( Email from XXXX shown as Attachment 6 ). However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear. Despite numerous attempts to resolve this issue by contacting XXXX I have not received a satisfactory resolution. After submitting a complaint in CFPB to XXXX, I finally received their response on XX/XX/2023. XXXX informed me that their vendor, Fiserv, holds the funds, and they advised that XXXX 's ACH department should request a debit return ( Response from XXXX shown as Attachment XXXX ). 

Following a complaint filed with the CFPB against XXXX on XX/XX/2023, I received a response from XXXX today stating that they reached out to Fiserv. However, they conveyed they are unable to retrieve the funds from Fiserv due to Fiserv requiring information from XXXXXXXX XXXX ; as XXXX XXXX had initiated the original ACH withdrawal and the return ( Response from XXXX shown as Attachment XXXX ). Its essential to note that XXXX communicated with Fiserv on XX/XX/2023, instructing me to request XXXX to reach out to Fiserv. However, XXXX has now redirected me to request XXXX to reach out to Fiserv. This situation falls into an endless loop, leaving me in a hopeless situation where Fiserv continues to hold my funds without resolution. Both XXXX and XXXX had contacted Fiserz. I believe there is no more excuse for Fiserz holding my funds for over 4 months. I urgently request Fiserv to return my funds immediately. If it is necessary for a specific financial institution to initiate this request, Fiserv must provide comprehensive instructions. This should include details on the bank responsible for making the request, the requisite information, and contact details for immediate follow-up. This information is crucial for a swift and effective resolution to the ongoing issue. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over four months.