davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NC)

I have requested paper work from citimortgage payment history from XX/XX/2005 to present with no avail. I was told by a company name XXXX XXXX  that they are now servicing my loan which I was not aware of. 

I requested for full payment history as well as pay off of loan to see all payments that involve prinicipal and interest estimated two weeks ago.. It was stated that it will be sent and it will not take long due to office being in area to ensure accurate information. It also appears my acct number is changed as well which concerns me being my main loan and this one is  80/20 loan harp modification loan. 

I made payment XX/XX/XXXX and was cashed by citimortg but XXXX XXXX states they don't have the payment from them. I have requested to citimortg to send them the payment as XXXX XXXX stated this is generally done but has not. 

I am frustrated because it appears that citimortgage have cashed this by my financial institution and payment for over a month now and may be causing me unnessary late fees and I want to ensure this is taken off my acct and reflected correctly.

I spoke to citimortgage and was transfer four times and spoke to someone name XXXX who continued to talk over me and instead of sending it to them has no real reason why they was holding monies who was supposed to be transfer to XXXX XXXX which was not. 

I requested for the agency that oversee mortgage lenders which is stated it was none which was not the case by the rep name XXXX. He needed additional training in all areas dealing with customers. 

Regardless of my serveral attempts to make sure my acct was rectified have no avail and would like this matter to be rectified and corrected with regards to any late fees and to ensure my modification and terms are honored. Thxs In advance any and all assistance is appreciated from your agency. 

Mrs. XXXX
Consumer complaint received 2019-01-02
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC (NC)

XXXX called relatives phone at approximately XXXX XXXX twice and stated they were Process servers for NC and VA.XXXX  called and stated they were with the IRS and they had a file on me.
Consumer complaint received 2019-01-02
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. (VA)

XXXX  XXXX XXXX ( XXXX ) did not follow the Office of the Comptroller of the currency regulations ( OCC ). XXXX only stated that the information reported to the credit reporting agencies were accurate. Charging-Off a consumer prematurely without abiding by the OCC rules does not constitute fairness and shows unscrupulous practices. I disagree with the validity of the charge-off. 

I would like to know why weren't the rules of OCC followed and why was my account charged off prematurely. The OCC regulations state that an account can be charged off when any loan has been delinquent for a period of time " or '' deemed uncollectible. Based on my negotiations with BOA representatives, my debt had been reduced approximately {$6000.00} within an 8 month period. I was making payments when the account was charged-off which is proof the account was collectible.
Consumer complaint received 2022-07-05
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. (OH)

Experian, XXXX and XXXX all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

Because I was impacted by the Equifax hack, and my husband 's laptop was stolen, I want to take steps to make sure my identity isn't stolen. When I tried to get my free credit reports from XXXX on XX/XX/XXXX, it asks for my full social security number, which I didn't want to give, since the hack of Equifax exposed social security numbers. I tried to find out if I have a freeze on Equifax, but they wouldn't tell me without giving my full social security number when I called them on XX/XX/XXXX. I was able to verify my freezes with both XXXX and XXXX  without revealing my full social security number. Is there a way to around giving both XXXX and Equifax my full social security number?
Consumer complaint received 2019-01-02
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: HYUNDAI CAPITAL AMERICA (GA)

My account number with Hyundai for a lease of XXXX XXXX is : XXXX I paid a lot of money as my monthly payment as of sales tax and I was all the way regular in my payment. I returned the car with very good condition and I spoke to one of the repair people from a Hyundai Dealership and according to his feedback " The car was in very good condition '' but their inspector charged me {$180.00} dollar on minor issues and also they are charging another {$40.00} as a tax on the lease termination. 
I spoke to their finance department multiple times and they were threatening me to report these amounts to the collection department and credit bureau. 
I tried to speak to their manager and they didn't allow me to talk to their manager. 
I tried to get the address so that I can file a federal complaint but didn't get sufficient help. 

They behaved like thieves who want to take money out of peoples pocket.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

My letter dated XX/XX/2018. With application # XXXX was reported I was denied credit for subjective measures stated as ; 1. Monthly payments owed are too high relative to recent Wells Fargo deposits, and Remaining income after monthly debt payments is too low. 

I called to speak with Wells Fargo regarding these issues on subjective data measure decision making in regards to this application. When asked to objective measures they could not relay any. I again made reference to credit scores and objective measure which is used to determine credit worthiness were 1. on application was XXXX and 2. on Wells Fargo report was XXXX. These were provided as attachments. 

Again I asked for other objective measures which they could have used to make these credit decisions. Nothing was provided merely being transferred from one representative to representative. Nothing was provided accept y credit score of XXXX which is excellent. 

So I could only conclude that Wells Fargo uses discriminatory practices in determine the issuing of credit as for every objective matrix I had and was provided to me by Wells Fargo states I am an excellent history in using credit responsibly.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Tried to open multiple times an HSBC checking between XX/XX/XXXX - XX/XX/XXXX XXXX. Repeated denied : " Dear XXXX, We're writing to notify you that your application for a new HSBC Advance checking account was declined because were unable to verify the identity of the applicant. 

If you requested online funding at the time you submitted your application, this transaction has been cancelled. 

Sincerely, HSBC Online Account Opening Team '' Even so - I was a customer of the bank in the past ( confirmed, and does not prevent opening ), they had successfully checked my credit reports multiple times which fully confirm my identity ( prof present ). All the information I entered was correct. So the reason presented is absolute invalid nonsense. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX, Today I spent over 3 hours on hold with Experian trying to get a live person to help me with a membership website that does not exist anymore. XXXX which is a Experian website that is no longer up and running. I was charged {$29.00} this month XX/XX/XXXX which they only refunded me back. But I was charged {$29.00} 0n XX/XX/XXXX, which their website was not working last month. I did not know they was transforming their systems to only use usaexperian.com website. I asked the rep XXXX ext..XXXX, how Experian gone charge me for a website that do not exist anymore? She told me that they was not going to refund me the additional {$29.00}. I asked why, because I could not go to this website. and if I wanted to print something from the website. I could not. I paid for all three credit reports, which Experian website only gives one, unless I pay another fee. These are totally different websites by Experian, which they are trying to keep my money for something I had no control of. They closed their website down. I just want my money back.
Consumer complaint received 2019-01-02
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. (CA)

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. 

On XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. 

But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX  XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$27000.00}. 

Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

A. I work for XXXX  XXXX XXXX in XXXX  XXXX XXXX, XXXX XXXX, SC XXXX ... .by Gods grace ... I am a XXXX XXXX employee- you can check XXXX XXXX XXXX XXXX have a XXXX email by Gods grace and guidance. 

2. I was trying to consolidate to do good payment since i have t omaintain XXXX, in an aprtment, then my family lives in XXXX, Fl XXXX, USA and 3. my mother lives in XXXX now called XXXX Hard to maintain always so trying t oconslidate 3. During that stage, Mrs. XXXX XXXX in XXXX XXXX XXXX XXXX did an outstanding job as always- from day from the year 2016 when i got XXXX XXXX loan. 

4. now i have called to consolidate, she found negative and i asked them to send the letter it states 39- serious delinquency which is Absolutely wrong. 

5. As you had asked from this afternono i had tried multiple times to reach XXXX XXXX XXXX XXXX any option i could not get hold of i tried through XXXX  search or how to contact- someone told email consumer support customer support for experien it goes to an auto response to auto repair totally lost =unable to reach to explain and get the accurate and resolve so that it does not appear wrongly Is there a way to reach them or talk to them in person please
Consumer complaint received 2019-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: First Data Corporation (CA)

I called XXXX, First Data, multiple times over the last six months, requesting my account to be closed. 

Every single time I was told that I had a legacy account and that I needed to leave a message so I could be contacted. I did as requested, but I was never contacted. 

Instead, XXXX kept taking out the monthly service fees from my account while stringing me along on promises of getting a call back from them. 

On XX/XX/2019 they withdrew {$220.00} from my account, citing an annual renewal fee. When I called them, I reiterated that for months I have been requesting the account to be closed to no avail. Immediately, the agent sent me the cancelation paperwork. 

For months, I have requested a cancelation and for months XXXX intentionally kept the necessary paperwork from me, lied about legacy account statuses and never called me back in order to keep the account open long enough to charge the annual fee.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MO)

I paid the debt of {$150.00} ERC collection company for XXXXXXXX XXXX XXXX of 2018. When i paid the debt i ask could it be taking off my credit report. the young man i spoke with said it would come off in 45 days. It came off as promised, then they put it back on as Paid. this is an unfair credit act.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (TN)

On XX/XX/23 I reported my card lost/stolen also made a police report and funds was stolen from my account so I contacted cashapp about my charges followed their instructions and I never received a copy of their investigation only a denial email after minutes reporting it with my police report number. So cashapp deactivated my account so making disputes. Not only that I never received my money back that was stolen no report from there so call investigation not they only want me to continue to send and receive money from account to account.. I want my money back that got stolen which they was supposed to protect once they seen 5 bitcoin 5 airlines 5-6 stores transactions back to back with odd amounts up to XXXX in my account at XXXX at night while I was one the phone reporting my account stolen..
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that XXXX XXXX  supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX  Accounts ( XXXX open XXXX XXXX & XXXXopen XXXX XXXX ) that I previously had with XXXX. 


Prior to the Pandemic I had Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great XXXX  in my family and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX in reference to XXXX  Accounts that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (TX)

XXXX XXXX XXXX has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I was contacted on or around XX/XX/XXXX by Credit Management regarding a XXXX bill. I advised them I do not owe this debt as this was attempted already by another collection company that could not validate this debt. I asked for something with my name and signature and they didn't provide it but added a collection to my account on XX/XX/XXXX.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

After a temporary financial situation caused me to get behind in my mortgage, I applied for a loan modification back in the summer of 2018. I never received any status updates regarding the application and have since attempted to follow-up on the modification. I have also since been able to make regular mortgage payments, however, have been restricted from making any payments since I fell behind. 

All attempts to reach someone by telephone have led to either extended hold time and eventually I am disconnected. Additionally, I attempted to check the status of the modification online and continued to receive the message that my application status could not be accessed. Again, I attempted to contact the telephone number I was referred to on their website, to no avail- long holds and then disconnected. 

Today, I called and actually spoke with someone who stated I would be transferred to " a relationship manager '', but also gave me " their phone number '', which in actuality was the same number I called to reach the person with whom I was speaking. I was transferred and a recording stated, " Let me see if a Relationship Manager is available '', and after a brief hold, another recording informed me that no one was available and stated, " This call is being disconnected ''. As usual, there was no option to leave a message and I was again disconnected without speaking with anyone who could assist me. 

It appears as though this is a scam and they are looking to increase interest and fees!
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!