davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Equitable Acceptance Corp (NJ)

I believe in XX/XX/2016 a friend convinced me to sign up for a student loan forgiveness company called XXXX XXXX which is connected to the company Equitable Acceptance. They stated that after paying {$49.00} a month for a certain period of time, that my student loans would be wiped. I have almost paid {$2000.00} to this company over the past two years. Only recently ( about a month or two ago ) I  asked that company ( XXXX XXXX ) when my time is done with them and what happens next. They advised me to ask the Federal Student Aid or Department of Education because it was up to them what happens next. After explaining my situation, the representative believed that this company was fraudulent and advised me to stop paying their monthly bill immediately, call my bank ( XXXX XXXX  ) to not allow them to automatically take that money out each month, call the credit company to make them aware of the situation, and contact another higher authority to give in a complaint ( which I cant recall the name to continue with asking them questions about this situation ). I tried calling the company Equitable Acceptance to discontinue services in which they wouldnt allow me to. My bank put a stop on them pulling out the payments where they also did some type of investigation and deposited {$190.00} into my account out of the close to {$2000.00} Ive paid over the two and a half years. A fraud alert went out on XXXX XXXX to hopefully protect my credit from them. The higher power company that I cant recall told me to keep them updated if the company reached out to me for any reason. Since then I have received multiple emails saying I need to make their payments, threatening voicemails with recorded messages from questionable numbers, and emails saying my account is severely delinquent. I tried to sign into my account on Equitable Acceptance to get the exact details of when I started with them and calculate how much money exactly was given to them to give those things to you but its not even allowing me to sign in. I am not sure what the next steps are to resolve this situation, how to completely disconnect from these fraudulent companies, how to hopefully get some of that money back that I paid for the past two years, and how to move forward from all of this. I would appreciate any help possible.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-27
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (CA)

I called my mortgage servicer and requested to be reviewed for " FHA deletion '' since my home 's equity is now over 20 %. The representative I spoke to on or around XX/XX/XXXX said that he would submit a request ( work order ) for review & consideration. I called my mortgage servicer again a week later to find out the results. The representative said that my loan was not eligible for removal of the mortgage insurance due to investor requirements from XX/XX/XXXX prior to originating my mortgage in XX/XX/XXXX. I asked them to please send a written explanation about why my loan was not eligible. To this date ( XX/XX/XXXX ), I have not received a written explanation for the denial.
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

wells fargo, i over dratfed an account. for 60 days. made a agreement with wells fargo debt collection to pay everything back in XX/XX/XXXX with no one saying i would have my cards freeze, they knew we have been through hurricane IRMA and lost my job, they said we understand please pay something, i did {$25.00} and first paycheck being XX/XX/XXXX it would be paid. XX/XX/XXXX they freeze all the cards for misuse. filed an complaint with excutive department. but they would not issue another card to myself or wife which was a conjoint account. no other withdraw happened when the account was over drafted, they did charge me a {$12.00} for not making a min of 12 swipes in that month. but how could i if the account was over drafted.
Consumer complaint received 2023-07-26
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. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2019-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (NV)

Attempted to switch account after closing original bank account used. Account never switched over and missed payments started to occur. Attempted to reach company a second time after getting calls from references about being contacted. I requested them to stop calling them at this time. And requested for payments to be automatic once again after making a payment to bring account current. Again, received a call from a family member about being contacted when reached out to company again, this time fees were up to about {$300.00}, {$85.00} is one regular payment and requested to speak to a manager. Manager gets on line and starts throwing jargon at me, referring to the loan 's amortization table and trying to explain the fees added, when in reality fees would have been avoided if taken out of proper account.
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Discovery Systems, LLC (FL)

I man called me on XX/XX/19 at XXXX from Account Discovery and said I had an account with them and if I did not make payment he's company would garnish my wages and they would sue me. The amount that I supposedly owe is {$1000.00}.
Consumer complaint received 2018-01-27
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I called XXXX and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : XXXX and XXXX XXXX.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (DC)

Citibank paid an item that was presented as an ACH. They reflected the item paid with a credit balance of several hundred dollars after the payment. They then turned around and returned the item two days later. When the item was returned, it showed that I had a hundred plus dollars more once the item was returned. The item was only for {$59.00} so how was there not enough money available. As well as why did the item never show as a negative which would have alerted me that there was not enough money available. Citibank responded to my concern but never addressed the problem. I was able to get the credit for the NSF fee after calling and speaking with a representative that agreed that they had made a mistake. Citibank needs to own up to their mistake and fix their online account information to reflect charges and credits to show real-time accurately. I clearly had enough money for the item to be paid. The account statement that Citibank sent in their response shows the item being paid with funds left over.
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: JPMORGAN CHASE & CO. (FL)

Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:Chase Account number: XXXXCredit Card Issuer:ChaseXXXX XXXX XXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. Chase never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling Chase multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I am in an active short sale since XX/XX/XXXX with Mr. Cooper. We have advanced in the short sale process. Mr. Cooper is acting in bad faith and violating the dual tracking law cfr 1024.41g because while fully engaged in a loss mitigation process of a short sale since XX/XX/XXXX Mr Cooper has initiated a foreclosure sale date for XX/XX/XXXX meanwhile they are asking for a HUD to review for an approval and trying to take my house at the same time. These federal dual tracking laws are in place for a reason and it is clear as day that Mr. Cooper is in violation. My real estate broker contacted Mr Cooper and requested that they put the sale date on hold until the short sale is either approved or denied. Their response was they can not put a sale date on hold until a written approval is available. That is absurd! You accept my loss mitigation application, entertain the fully executed contract of sale, request all sorts of documents, and advise the short sale is in review but at the same time foreclose!!! Please assist me in this matter because I am trying to resolve this situation with the short sale and Mr Cooper and its law braking and abusive practices is  preventing me from this opportunity.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MN)

XX/XX/XXXX my wallet was stolen in XXXX, MN, and shortly after it was stolen some of my credit/debit cards were used to purchase goods from XXXX XXXX and XXXX XXXX XXXX XXXX As soon as I noticed my stolen wallet I locked/canceled all of my cards and called XXXX PD to file a police report. 
( Case # XXXX ) I was working with XXXX Police Officer XXXX XXXX XXXX while filing the report. 

I called Square, one of my card providers, to report 4 different unauthorized charges on my Square Debit card. The representative informed me that I would have to wait for the charges to clear before a dispute could be started. 
Once the charges cleared, I reported them as fraudulent and Square opened a dispute for the 4 separate charges. Square investigated all 4 charges separately, and seemingly did so without noticing how all 4 separate charges were made within about 15 minutes. 
A day later, Square emailed me to notify me that the disputes had been lost and they werent going to reimburse the stolen money. 
I tried, multiple times, calling Squares customer service only to be transferred again and again without any of them being able to address the mistake, escalate the complaint, or give me any information regarding why the disputes were lost or how to challenge the decisions. 

Squares dispute investigation did not contact me, or look at the obvious break of pattern in my card spending, or notice how suspicious the charges were ( at XXXX XXXX : XX/XX/XXXX {$510.00}, XX/XX/XXXX {$540.00}, minutes apart ; and at XXXX XXXX XXXX : XX/XX/XXXX {$370.00}, XX/XX/XXXX {$370.00}, also just minutes apart )
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (LA)

Im being over charged and could be homeless cause I cant pay my bills that I always pay with my income taxes my property taxes on my house but I cant do that without my money which most of it was earned income for mychildren
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

Caliber Home Loans is using faulty information in the servicing of this mortgage loan Caliber Home Loans has failed to deliver required foreclosure protections.

Caliber Home Loans has engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

The CFPB issued amendments on XX/XX/2014, The rule issued establishes new protections for consumers, including requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

Caliber Home Loans failed to respond to a Notice of Error and request for information.

Caliber Home Loans has failed to properly acknowledge and investigate my complaint
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARVANT FINANCIAL LLC (MD)

I filed a chapter XXXX bankruptcy and included Carvant Financial. The company refuses to acknowledge that they are filed in bankruptcy has added their information to my credit report again as well as on in my tenant records. The company can no longer dispute the Chapter XXXX because they did not file it with the trustee and the company has to stop putting the charge back on my credit report. They have told the credit bureau that my claim about the bankruptcy is not true but the credit bureau will need to contact the US Bankruptcy Court to see if the  information is true and they have not done this, they only accepted what the car dealer has given them which is not true.
Consumer complaint received 2022-07-19
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. (MO)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to block any items which were opened without my knowledge, consent, or authority. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ;
Consumer complaint received 2019-01-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I recently paid off all accounts listed on my credit reports on XXXX and Equifax and proceeded to submit disputes to each reporting agency to start the process of having the amounts removed. It went smoothly with XXXX who simply verified who I was by giving my soc sec #, address and what the amounts owed were on the accounts, but with Equifax they wanted the same information and then wanted to know my previous employment in which I gave them my employment history for the last 15 plus years and the customer service rep kept asking me what other jobs I had. I had given her every job but then she asked was there a fraud alert on my acct which it wasnt because XXXX saw nothing. She then wanted me to send a hard copy of my social security card which would involve and lengthy period of extra investigation. I ended the conversation informing the rep I would try the online remedy, and attempted to do the dispute online to no avail because after entering the intial personal info on the 1st page and being informed they had found MY account, on the 2nd page they start describing various bank cards and auto loans in which I was supposed to have along with multiple choice companies that these things were supposed to be secured from to choose from which I never had and after clicking none of the above to all, they ended the dispute saying my answers didn't match their info. I then did a XXXX complaint search on Equifax and found over XXXX complaints with same experiences that I endured and saw your link
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (CA)

I'm submitting this complaint once again to follow up my request for these many improper credit inquiries be taken out of my credit record. My name has been used to open a number of accounts. I should submit an FTC, so I did, and I've attached it to this letter, per legal counsel from a friend and your agency. Within four days after receiving this letter, the XXXX, Equifax and XXXX credit reporting agencies are required to stop all improper credit inquiries that were conducted for reasons that were not allowed by Fair Credit Reporting Act section 605B. Additionally, I'm getting in touch with each business on the following list to close any opened fake inquiries : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

Midland mortgage is attempted to file unexplained additional charges to my account. 

they also are not providing reasonable accommodations for a person with ADA and are violating that. 

as of XX/XX/2023 they filed that my account was passed due without notifying me through the mail service as required by law or making an attempt to call me if there was a payment that was not processed correctly. 

they also have not been correctly processing payment information online.