davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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 writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : 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
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I previously spoke with XXXX in Loss/Lig and believed we were being provided the opportunity to get payments caught up. However, on XX/XX/2019 I called to inquiry of my options while a government shutdown is in affect. I am a federal government employee and was told their are not any options or special circumstances offered and if I were to get a forbearance it would affect our credit. Why would a circumstance for which we do not have any control over impact us this way? I was told that while in forbearance or payment arrangements this will still be reported as delinquent. Why? Shouldn't these options protect the account and the payment agreed upon is being made? Why would this be or is it just this type of mortgage company? We were told that mortgage companies would work with us, but I see this is not the case. Please explain why.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NE)

XXXX XX/XX/XXXX I hold a Government Travel Card. I filed a voucher and had a credit of over $ XXXX to transfer to my account. Citi has a policy of not allowing a balance transfer for 10 days on their website. When I used a chatbot/customer service, every attempt at obfuscation, delay, etc, was thrown at me to prevent transferring the balance sooner. When I asked for an exception to policy, the chatbot or person used weasely phraseology, " Unfortunately, I am unable to make an exception. I apologize, '' which while true as she's or it is not empowered to do so, I had to elevate and ask who would. After that, I was sent paperwork to fill out. I was informed that it would take 2-3 business days to complete. I asked if there were any legal or technical reasons for the delay or if it was company policy, I was told it was policy and that an exception to that could not be made. I replied that they've transferred to my bank before, that there is nothing to verify that would take 2-3 business days. 

While possibly not illegal, I feel it is highly unethical. I detest being compelled by the government to use a card I didn't ask for and for which the government receives a kickback.
Consumer complaint received 2018-10-23
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: Experian Information Solutions Inc. (UT)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2019-03-26
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: Nelnet, Inc. (CO)

Nelnet is reporting incorrectly that I am 120 days past due on partial account numbers : XXXX and XXXX ( please see page 14 of the attached credit report ). I was XXXX at this time ( copies of orders attached ). Pursuant to the XXXX ( XXXX XXXX XXXX   XXXX  ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the XXXX  listed below.

Benefits offered by the XXXX include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX  for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on XXXX XXXX Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to XXXX percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your XXXX rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my XXXX  XXXX.
Consumer complaint received 2018-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

See details in Complaint Number XXXX against XXXX. This new complaint is against JP Morgan. 

The reason we're doing a separate complaint is because, according to XXXX, JP Morgan has been in possession of our wire transfer of {$3000.00} ( - {$10.00} transfer fee ) since XX/XX/XXXX. That is the same day we instigated the transfer. The money went to a bank in Florida, who rejected it and returned it to JP Morgan on that date. 

We called XXXX a few days after XX/XX/XXXX and were told repeatedly that it would take " a few more days '' or a " few weeks is normal for international wires ''. After two weeks of this, we requested a trace. That is when we discovered that JP Morgan was also involved. According to XXXX. 

XXXX gave us a tracking number : XXXX. We gave this number to the bank in Florida, that JP Morgan said didn't respond, but who answered our call the first time. XXXX at XXXX ext XXXX, gave us the information that they had rejected the wire and immediately given it back to JPM. We had been told on an almost daily basis that JPM was " trying to find the money '' that they'd made several inquiries and even called the bank. That was clearly a fabrication because it only took us one phone call, using their tracking number, to get the information that the  money had already been returned to JP Morgan. 

XXXX has been telling us, since last week ( XX/XX/XXXX ) that the funds had been returned to them and we could expect to see it back in our account " today or tomorrow ''. They gave us the same run-around this morning. So we called and gave them a stern recap of why we are upset and that we want our money back now, not tomorrow. We were told that the recording of our complaint would be given to " a manager '' at XXXX to evaluate. 

A supervisor at XXXX, XXXX XXXX XXXX ext. XXXX, took over the case on Thursday and she's the one who first told us that XXXX had received the money back from JPM and we'd be seeing it in our account overnight at the latest. When we tried to call her yesterday morning and this morning ( XX/XX/XXXX and XX/XX/XXXX ) she was unavailable or not in. So, after the complaint this morning to " the manager '' XXXX called us within a few hours and told us something truly remarkable : XXXX does not, in fact, have our funds. In truth JP Morgan still has the money and she just found that out. She needs to do a " recall '' and that it will take JP Morgan another 2 days to 2 weeks to return our money. 

For some odd reason, we do not believe a word we are told now. However, in the off chance that they are telling the truth that it has actually been JP Morgan Chase who has our money, then we should send in a complaint that they have been unlawfully withholding our {$3000.00} from us since XX/XX/2018.
Consumer complaint received 2019-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

RUSHMORE STATES THAT THEY RESPONDED TO NUMEROUS COMPLAINTS THEY FAIL TO MENTION THAT THEY JUST PICK AND CHOOSE WHICH PARTS OF THE COMPLAINT THEY ADDRESS 1 ) THEY SOLD MY HOME FOR {$100.00} TO XXXX XXXX APPRAISAL IS OVER {$350000.00} AMOUNT OWED IS BETWEEN {$220000.00} AND {$260000.00} 2 ) THEY SENT PAYOFF LETTER THE DAY OF THE SALE AND STATED IT WAS GOOD UNTIL XX/XX/2018. WHEN I CALLED REGARDING THE LETTER BEFORE XX/XX/2018 THEY STATED SORRY HOUSE IS SOLD LETTER IS IRRELEVANT 3 ) ALL PAPERWORK WAS NEVER SERVED ON XXXX XXXX ( LACK OF JURISDICTION ) 4 ) PAYOFF AMOUNTS ARE NOT THE SAME ON ANY PAPERWORK LAWYERS HAVE ONE AMOUNT RUSHMORE ANOTHER AND THEY DISREGARDED ALL REQUESTS TO EXPLAIN 5 ) THE MODIFICATION PAPERWORK WAS IRRELEVANT AND A JOKE THAT THEY OFFERED IT BECAUSE AS STATED IN THEIR OWN LETTER THEY DO NOT OFFER MODIFICATIONS FOR HOMES AS DELINQUENT AS MINE ANY MODIFICATION OFFER WAS FRAUDULENT BECAUSE THEY KNEW THEY WERE NOT GOING TO ACCEPT IT. 

6 ) ALL ASSIGNMENTS ON THE MORTGAGES ARE FRAUDULENT. THEIR OWN ATTORNEY STATES IN CORRESPONDENCE THEY DO NOT EVEN KNOW WHERE THE NOTE IS. 

HOMEOWNERS NEED TO LOOK AT THE REFEREE DEEDS AFTER THE SALES TO SEE WHAT THEIR HOMES ARE BEING SOLD FOR
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each month
Consumer complaint received 2019-01-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MD)

A Foreclosure Sale date is a schedule for XX/XX/2018. I, XXXX XXXX, 3rd Party User, called CitiMortgage on XX/XX/2018, at XXXX XXXX  EST, spoke to XXXX, ID # XXXX, Collections Department, to find out the postponement of the Sale pending access of an appraisal of the property for the short sale purchase, XXXX, he told me that short sale documents were received on XX/XX/2018, file was closed out. I asked what was the reason, his answer Documents Not Returned for the life of me I didnt know what that meant I asked him to explain what it meant he did know that he was in Collections, not Loss Mitigation that I could not be transferred to that Department for explanation, I requested to speak to a Manager. XXXX put me on hold again came back asking for my phone ( XXXX ) that XXXX XXXX, Manager, would call me back. I didnt think XXXX  XXXX would call me back that it was another attempt to deflect any attempt to postpone Sale for a short sale purchase this why this Complaint is being submitted. 

Notwithstanding, I called back this time I spoke with XXXX, ID # XXXX, Ownership Department, at XXXX XXXX  EST, again I asked the status of the postponement of the foreclosure pending an appraisal. She stated that she was told that I needed to speak to the foreclosing attorney, XXXX , XXXX XXXX XXXX , XXXX, I told her that made no sense, again, another attempt to delay any attempt to move forward the short sale purchase. I asked to speak to a Manager, XXXX ID # XXXX, was of the Loss Mitigation Department came on the phone at XXXX. EST and advised me in no way they were going to postpone the Sale for the Short Sale because the owner lived in the house for ( 10 ) years for free and that they needed ( 45 ) days to consider a postponement for a short sale. I stated to him that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that his ( 45 ) days contradicts the State of Maryland Law. If the foreclosure sale and/or ratification occurs, CitiMortgage and all Parties involved will have committed a felony. Please pull the called in the transcript of my conversations with above Parties.
Consumer complaint received 2019-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have for 3 moths w TRANSUnion XXXX  and XXXX filed documents and evidence they have all things wrong anc my credit score where I cant do what I need, and fix my life I filled forms and online to all 3. They WANT ME TO PAY. They have bankruptcy I have court documents that it and all info needs removed., identy theft and cards w fake names on there..
Consumer complaint received 2019-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I am filing this complaint against Navient due to their failure in offering repayment options and advising my loans to be placed in forbearance. When my loans came out of deferment in XX/XX/XXXX, it was suggested by a representative of Navient that consolidation was my best option, even though some of my loans ' interest rates were extremely lower than my current interest rate. After consolidating in XX/XX/XXXX, a representative calculated my monthly payments. Based on those calculations, my payments were just over {$1600.00}, which I struggled to pay. After asking a Navient representative if I could get those payments reduced, I was advised that forbearance was the only option until I could determine how I could afford those over {$1600.00} payments. I was not given any other option for a reduced monthly payment. In fact, I sought financial help, and it was at that time I Iearned of the different repayment options available. When I eventually enrolled in a repayment program in XX/XX/XXXX, my payments were extremely low, about {$100.00} to {$150.00} a month. When I questioned the payments, I learned that they were calculated on tax returns from year XX/XX/XXXX, I was still in school, and my income was vastly different in XX/XX/XXXX than in XX/XX/XXXX. How could Navient overlook this error? Was it intentional? Upon recertification in XX/XX/XXXX, I learned that my payments had ballooned to over {$1000.00}. This was due to yet another failure of Navient to thoroughly inspect paperwork properly. There are multiple failures by Navient and their representatives that have led to capitalized interest of over {$50000.00} in 2 years. These failures on behalf of Navient are predatory lending practices, that have truly caused me severe XXXX. I have become sick, and even fell into a XXXX state, as this dark cloud of debt does not seem to be clearing at all. I have been forced to move in with family as I struggle to make these monthly payments. 

What can be done to correct the failures and predatory practices that I have experienced with Navient?
Consumer complaint received 2018-10-23
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: AMERICAN EXPRESS COMPANY (MI)

You will see that on XX/XX/XXXX, I have asked for a THIRD time that American Express removed two inquiries on my credit reports that I did not initiate. They can not prove to me that they have written signature matching my personal signature. In addition, they can not provide video surveillance of the person ( s )  who used my information to make an application with their company -- not once but twice! 

PER THE FCRA LAW, they are to remove the inquiries immediately since they can not provide me PROOF OF SIGNATURE. Not electric signature, my handwritten signature
Consumer complaint received 2024-08-19
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)

My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have a Bank of America checking account. I informed them that I was outside the country and couldn't use the account for the meantime. I have two checking account at the time then finally I was able to set up direct deposit on one of the account. I asked if they could waive the monthly service fee so I could close the other account. They said no to me and kept charging me monthly service. 

Then second thing that happened to me was I filed a claim to dispute the charge from XXXX. I informed them that my email and XXXX was hacked all my cards were on their system I found out due to fraudulent transaction from XXXX. After that it continued to charge my card. I kept getting new replacement card but the charges continued. They told me that the charges were authorize by me but I never did authorize the charge. I will be taking them to civil court. 

This bank is very unethical and deceitful.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.