davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-14
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)

I fell behind in making payments to Citi Cards. We negotiated a mutually acceptable payment plan in which they will auto draft an amount every month from my checking account. The account is closed and the monthly payments will pay off the balance in full. 

Their records continue to show the old minimum amount due, which is not correct. The old minimum amount due is a higher amount than the amount that will actually be deducted from my account. The minimum amount due should be the same amount that will be deducted from my bank account, not some higher amount that will continue to show as past due. 

They have indicated they can not change the original minimum amount due, even though there now is a new minimum amount due, which they will be auto drafting from my bank account. They say they will be reporting the old minimum amount due as " past due '' every month to the credit bureaus. 

They should not be further damaging my credit standing by continuing to report the old minimum payment amount as past due, when they have agreed to a payment plan that will pay off the balance in full.
Consumer complaint received 2020-04-14
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Flandreau Santee Sioux Tribe (NE)

I emailed a cease and desist letter to rushmore on XX/XX/XXXX. It was received by them. I resent it on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I have continued to receive calls both to myself AND to my employer. On the last 2 occasions that XXXX from Rushmore contacted my employer he left a message with my employer stating that he was calling from Rushmore to discuss my account and that it was important that I called him back. Each time I emailed Rushmore and reminded them that I am NOT allowed calls to my employer, plus that I wanted email or postal mail, to cease and desist calls and that I would like assistance in figuring out how to clear my account since I am affected in work hours by COVID19. They have not adhered to the cease and desist and they continue to ignore my email requests for a response of any ways I can settle my account.
Consumer complaint received 2022-11-06
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. (NV)

i have no applied for products with these companies, I have asked that it be removed and its still present 15 U.S. Code 1681i Credit Inquiries Credit Inquiries - Summary Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-11
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I applied for a XXXX XXXX loan directly with XXXX and was approved for Economic Injury Disaster Loan ( EIDL ). XXXX funded my bank account, Pentagon Federal Credit Union on XX/XX/2020. Since then PenFed is holding my funds and have blocked my account due to having XXXX loan deposited into personal account. However XXXX had no problem depositing those funds into my personal account since it is a disaster loan. I have called and emailed PenFed several times explaining that my XXXX XXXX  was impacted by Covid 19 and the funds needed to help my XXXX  to survive, I was asked to upload my business documents as well as proof of identity. I have provided Penfed with every single document theyve asked for. However the funds are still not available to me.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (NY)

As a consumer I believe I have the right to ask for verification from any person claiming that I owe an alleged debt. SUNRISE CREDIT SERVICES did not provide me any communication explaining that I could dispute this alleged obligation. It is unfair and deceptive to communicate with me indirectly and harm my reputation, defame my character, and extort me to pay an unverified debt. I never consented to have my non public personal information shared with any debt collector. Please please the consumer reporting agencies and other debt collectors that this is a disputed debt. Failure to do that is a direct violation of the FDCPA provisions. Please see attached.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (VA)

I sent a letter via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements.
Consumer complaint received 2020-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report datedXX/XX/2019. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

I had received forbearance on my student loans through Fedloan, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, Fedloan must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/XXXX as well as XX/XX/XXXX through the current date, and have letters and documentation from Fedloan indicating such. Despite trying to work with Fedloan multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.
Consumer complaint received 2020-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

It has been over 30 days since my initial dispute that was sent to Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX XXXX # XXXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither Transunion, Equifax, or Experian so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.
Consumer complaint received 2024-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC (NH)

I was on a 3 month unemployment forbearance beginning XX/XX/XXXX. In XX/XX/XXXX I brought my loan current but remained unemployed. In XX/XX/XXXX I requested another unemployment forbearance which was approved thru XX/XX/XXXX. I spoke with the lender ( planet home lending ) in XX/XX/XXXX regarding workout options once the forbearance was up. planet advised that they have workout options available and advised for me to submit a request for mortgage assistance application. I submitted a request for mortgage assistance application on XX/XX/XXXX, However planet did not review my request for mortgage assistance application and sent my loan to foreclosure without reviewing my application.
Consumer complaint received 2022-11-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Bullcity account numbers : XXXX, XXXX, XXXX XXXX 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions. 

This company is violating my rights of privacy and my rights as a consumer. I did not give any written consent to post my medical information on my credit report. I don't even know who this company is or how they obtained personal information to even report to the credit bureau.
Consumer complaint received 2020-08-04
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. (GA)

I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, XXXX XXXX # XXXX
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I recently was a victim of thief. A family member stole my info plus wallet and used my debit card to make purchases. while I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I contacted my bank and they told me they wasn't able to go back on the claim any further than 60 days, but the transactions go back beyond that. furthermore they haven't gotten back with me to let me know the status of my claim. I'm worried I lost everything I had in my account without reimbursement. I submitted paperwork pertaining to my XXXX. please help.
Consumer complaint received 2023-03-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (TX)

Ally Financial was the lender used to lease a vehicle from a XXXX dealership where I was told the car would be mine to own after 4 years. I got all the insurance and protection they made me get to protect against damage and I was told it was for maximum mileage. I was not show all the paperwork and the process was rushed along without answering all my questions. The I paid the lease off for the full term and ended up paying much more than what the car was worth! When I returned the vehicle I was told by the Dealer and the Bank that I did not have any more payments to be concerned with. I chased them down for months to try and get a copy of the lease, which they never sent me. after much discussion with the dealer they finally gave me a copy as they were withholding the facts to force me to buy another car, when I was initially told by them that the car would be mine after the lease term and that I would probably even get money back. Ally Bank really deceived me and now I find out that they are trying to charge me another XXXX dollars for a car that I already overpaid for! I do not owe them any money and this debt that they are reporting on my credit report is nothing more than an attempt to bully and extort me of for more money. I do not owe them anything, and the law states they are violating my rights to privacy by reporting this on my credit report. I am a XXXX XXXX  injured during the war in XXXX. It is a shameful thing that they would be doing this to me, and they call themselves and Ally?
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Chime Financial Inc (MD)

I have tried many times to contact CHIME/ STRIDE BANK services regarding a charged off debt that is on my credit report. 

The company REFUSES payment of any kind there for gives me no chance or relief to mitigate and fix the errors on my credit report. They state there is no credit department and since the account is closed that they have no access to do anything with account even though the company has not sold the debt. They are actively keeping this closed/ charged off account on my report and says they cant take my payment to settle. This is against FCRA laws. 

This charge off if {$14.00} and the company states there is no way to pay this. THIS IS NOT LEGAL. 

My credit continues to be affected because CHIME/STRIDE Bank will not allow me to pay my debts!!
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received a bank text stating I would no longer receive alerts and had to register online. I thought that was suspicious. Got online and noticed an amount of XXXX pending.i knew it wasnt me or my spouse. I panicked and called Chase bank immediately. The person on the phone stated he would freeze my account until I could prove who I was. Informing him I was out of town but would do it immediately arriving home. So on XX/XX/XXXX I went into the bank and the banker said he couldnt see why someone would transfer that amount into my savings so he said will close your checking and 3 savings account. At this time I informed him I only have one savings. Upon further checking he noticed that someone opened 2 online accounts and was trying to transfer the money into this accounts. So he closed the accounts and made me a new checking and savings and transferred the funds into those accounts. The next day I tried using the accounts to find out they were frozen. I went back to the banker he said he wasnt supposed to open those accounts and now its under investigation and to this day I still dont have my money. I started a claim and when n I call to follow up everyone is telling me a different story. The new account happens at XXXX Ca. Chase Bank XXXX XXXX
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (KY)

I signed up with XXXX and was put on a payment plan through Monterey Financial. On the XX/XX/XXXX I called XXXX and asked if I could pay in full. They took the payment and told me to disregard communication from Monterey Financial. On the XX/XX/XXXX Monterey Financial called me. I explained to them that I paid in full and I need them to remove the late  payment that is now on my credit. They were abusive and rude and I asked if I could prove this. I emailed them my receipts and contacted XXXX. XXXX informed me they would take care of the mishap on the following Monday, XX/XX/XXXX. Monterey Financial called me on Monday, XX/XX/XXXX and said i need to email the receipts again. I informed them that I spoke with XXXX and they will be following up with them later that day, and any information they need they can get from XXXX. They were even more abusive and rude to me. I asked them not to call me ever again. They called again, later that day. XXXX informed me later that day that everything has been cleared up. I informed them I need the late payment taken off of my record and they said that should be fixed when Monterey Financial finishes processing. I received another call from Monterey Financial on Tuesday, XX/XX/XXXX. I am tired of being harassed for payments i don't owe. Please make them stop.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (IL)

Hello, To whom it may concern, I was a victim of identify theft and I found out in March XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the XXXX XXXX to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX XXXX XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX in particular was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to XXXX to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

This is an issue that has stemmed from XXXX and the covid suspension payments where I was offered a forbearance and the payments owed would go to the back of the account. In XXXX of XXXX once the suspension was over, oddly the forbearance option no longer existed and all the money was due upfront. Wells fargo then offered me a loan modification and a much lower payment option. Which i agreed to and was approved. after 4 months of making my new payments on time, a payment glitched on their end and they canceled my loan modification. I was not aware until I called in and realized my payment was still in my bank. I had to start over, they offered to re-do and go again, the entire time I had offered to keep paying, but wells fargo advised that i wait for the new number and I was not incurring late fees. Long story short, we did this 3 times and I was canceled again without notification and my house is now in foreclosure.