davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Dear Sir, Citizens has been creating troubles for me by not printing/mentioning complete legal name in the statements, which is violation of state and federal law. I have communicated to them multiple times and also send my identification details to citizens bank multiple times. How did citizens bank not following federal guide lines and not mentioning complete 'legal name ' and also " unnecessary spaces in the middle and last name '', which is unlawful and fraud. Is citizens bank going to be accountable and responsible at Home Land security, Immigration fraud department and USCIS if anyone submits these statements ( incomplete name and and not mentioning complete legal name ) and obtain any immigration and US government benefits. Is citizens bank going to be accountable and responsible for any kind of damages and serious consequences to me by mentioning in complete name, unnecessary spaces in the middle and last name and also not mentioned complete legal name in the account statement under account number. 
Its a serious crime as citizens bank not mentioning complete legal name ( truncated last name and unnecessary spaces in the middle and last name ). 
Could CFPB kindly direct Citizens Bank to mention/print my complete legal name along with account number in the bank statements, online account and all the bank records as per the SSN, VISA and Lawful USCIS work permit records.

Could CFPB kindly direct Citizens Bank to mention/print the right first name, middle name and last name as per my legal documents and there should not be any unnecessary spaces and truncated names, which is causing troubles and damages to me. I am also informing to USCIS and Immigration fraud department that 'please do not accept citizens statements, which have been manipulated and truncated my legal name and considerable amount of mistakes, which cause injustice, dame and fraud to me if anyone submits these online statements and misrepresents me. 
There are very strict guide lines, there should not be any mistakes and violation of federal and state law when it comes to 'complete legal name ' in the bank records and financial transactions. I am also going to file the police complaint and also copy to Michigan XXXX 's office and Federal officer. I have attached first page and highlighted the incorrect information, unnecessary spaces ( middle and last names ), truncated last name under account number. My complete legal name with first, middle and last name must be printed/mentioned in the bank records, statements and all the records of Citizens Bank. 
Could CFPB direct my complaint to federal officer and also publish the article on Citizens bank fraud, which really cause damage to account holders and Immigration/US government with unlawful statements and considerable of mistakes in the statements.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX obtained a credit report on me without my permission. I wrote them on XX/XX/2018 ( Certified Mail # XXXX ). I also called on XX/XX/2018 and again on XX/XX/2018. Both times the person representing XXXX XXXX admitted there was fraud involved in obtaining my credit report. Both times they promised to get the inquiry removed - but never did..
Consumer complaint received 2019-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (ME)

Received a letter from this alleged law firm, in reference to a different collection agency reporting in my credit files, than company mentioned in letter, regarding same credit card company. I have previously advised LVNV, and its dba companies, via fax, the credit card company should have a note, regarding a medical hardship I have been going through, since XX/XX/2018.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (WV)

I received a copy of my credit report and am disputing an item. 
Eastern Account System claim that I owe {$1500.00} for an electric bill. This was placed on my credit report in XX/XX/2021. A debt validation letter was sent to the company twice with no response. The credit bureaus were notified of the no response and XXXX and XXXX have removed the debt. XXXX sent notification that the debt is valid, but there has been no response from Eastern Accounts. The electric company is from NY, but I have lived in another state for over 10 years now. I would like this rectified as it has really dropped my credit score that I have worked so hard to maintain.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from them.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I am filing a complaint against Experian. I have filed a dispute with Experian in regards to inaccuracies on my credit report. There is a hard inquiry for a company name XXXX - XX/XX/2018. I did not authorize this inquiry nor know what the company is. I have researched it and contacted them which they stated to dispute with the credit agency. I contacted Experian and they stated I would have to contact the company which I did and got the response tomdislute via the credit bureau. In addition there is a bankruptcy on my credit report that I disputed and Experian states they verified it with the US Bankruptcy court. Which is a lie because I contacted the court and they stated they did not verify bankruptcy. I requested this in writing from the court and sent to Experian. In addition, I have provided proof that my XXXX  student loan was in deferment during the month of XX/XX/2018. However, they are showing 90 day late payment for XX/XX/2018 but on time payment for XX/XX/2018. That is conflicting, if my payment was 90 days late in XXXX why is XXXX showing good standing. My student loan was in deferment From XX/XX/2018 - XX/XX/2018.
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

My minimum payment for my NELNET loan is {$130.00} per month. I have been making a second monthly payment to my Nelnet loan for the last year. The additional payment of {$120.00} has done nothing to drop my balance. As a matter of fact the interest accrued this month was {$430.00}. My 2 payments combined were {$260.00}. Nelnet makes it extremely difficult for any additional amount to be applied to principal and I don't understand how they can charge interest that 69 % higher than my minimum payment. 
As I was looking over my loan documents I see that my loan is a consolidation of 2 loans.

My understanding of consolidation was that 2 loans rolled into one loan. But instead it is still 2 loans and they distribute the payments randomly in order to maximize interest accruals. While my documents call it one loan with 6.5 % interest I am actually paying 6.5 % interest each on 2 separate loans. How is this legal? My credit card  charges less interest.
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MA)

I had a membership for my dog with XXXX XXXX Hospital. 
At XX/XX/18 I call and cancel my membership After I cancel my membership XXXX XXXX Hospital still trying to collect money from my bank account. The amount I pay XXXX XXXX hospital was {$25.00} dlares each month. 
XXXX try to collect money from my bank account even after I cancel my membership and they actions result extra charges on my check account.
Consumer complaint received 2018-09-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO. (NY)

I received a education loan from Chase Education Loans Dept., which was already terminated between XXXX and XXXX ( I cant remember the year ). I found out this year, through my tax accountant, that chase turned the loan into " taxable income '' in XXXX, but I was never notified. Fast forward to this year, when I got into XXXX school at XXXX XXXX XXXX XXXX XXXX, and I tried to get a Federal Direct Plus loan, and was denied. The people at XXXX XXXX XXXX, gave me an account number to investigate through a free credit report, which I did. I received the credit report results on XX/XX/XXXX, and it clearly shows that the loan is in limbo, and it is listed as " charged off ' status through Chase. The investigation/ report provides an address and phone number for Chase as the lender. When I tried to call the number listed in the report, it is no longer valid. So I spent 6 hours today, speaking with XXXX, the collecting agency Chased initially told me had the loan, and they could not find it. Then I tried to speak to Chase and they initially told me that they have no info. In other words, XXXX claims they have no info on the loan and asked me to contact Chase ; and Chase claims it has no info on the loan, and asked to contact XXXX. I am completely in Limbo. All I am trying to do is start a process whereby I can start repaying the loan. Finally, after 6 hours, I spoke to a rep. from Chase internal credit beaurue specialty dept., who launched another investigation, which takes about 7 days for the results to see where is the loan and find out what  happened. 
I feel this is extremely unfair to me, specially since I have been a Chase costumer since XXXX. I would like to file a complaint against them.
Consumer complaint received 2019-07-12
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: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX we were put on a repayment plan with our Mortgage due to financial struggles. The Mortgage company Wells Fargo placed us on a repayment plan where we would pay our mortgage plus the late payment and was set to be caught up by XX/XX/XXXX. Wells Fargo had our mortgage account listed as Natural Disaster with the credit bureaus which kept us from being reported late. 

On XX/XX/XXXX I spoke with representing XXXX XXXX and she assured us, along with a third party on the line that we were not being reported late, they would not report us late while on Natural Disaster and we were approvable for any further mortgages. She stated the Natural Disaster would remain on our credit report until after XX/XX/XXXX. 

After that phone call they decided to remove the Natural Disaster and report us delinquent in arrears despite that phone call. Due to this situation we are now without any home and unable to obtain financing due to their actions. 

I would like Wells Fargo to remove those two late reporting on my credit for XXXX and XX/XX/XXXX.
Consumer complaint received 2019-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

Applied for a loan with excellent credit score, stable work history, and 6 plus figure salary. Wanted lowest interest rate because of excellent creditworthiness. Received instant approval from multiple leaders who were competing for my business. Decided to go with quicken mortgage because of excellent rate. Completed process and loan approved. Once home appraisal was completed and loan was ready rate and points changed. Leader promised to correct problem and I refused to go to closure until this was resolved. As a result of this position quicken made the appraiser adjust appraisal report to prevent me from getting loan. Apparently after a long battle to correct the interest rate and points problem they reach out to the appraisal company and had them to make adjustments to lower the value of my appraisal report which prevented seller from selling property to me. The appraisal that was initially sent listed property value at XXXX after the back and forward of correcting interest rates and points they had it lowered to XXXX which is way below market in area. THe mortaage company is working with appraisers to defraud customers. Had to work behind scene to get to the bottom of what was going on. It Took me a while to get reports but I have the proof of this fraudulent activity. Also I was able to get the same home from another lender with a new appraisal that was almost the same price as the original appraisal of XXXX and XXXX higher than the fraudulent one of XXXX they made appraisers adjust. They are not independent organizations. They are working together. Took me 6 months to get information but Now that I have proof, I will be contacting XXXX. I was told to take this step first.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I had been paying the same mortgage payment to Bayview loan servicing company which include tax and insurance for many years. Its an impound account for $ XXXX/month and later increase to $ XXXX/month and now it becomes $ XXXX/ month. On XX/XX/2018 I received anticipated escrow account disbursements letter that my property tax become {$14000.00} starting XX/XX/2018. I received an annual secured property tax bill from Treasurer and tax collector is only {$1500.00} from XXXX XXXX to XXXX XXXX. I had sent several letters to Bayview Loan servicing with a copy of the tax bill that I received from the treasurer and tax collector office but never get any reply back. Also I had paid the mortgage on time and sometime a little late, but once I talk to customer service they told me that I am current then later I received a mortgage statement that I was late about 2 months. So I paid those 2 month on the statement now it come again that I still own them another 2 months. I am confused about what is going on since I just talk to their customer service about the update payment. Later Bayview loan servicing sent one letter to me saying that they had sold the loan to XXXX fXXXX so I have to contact them. I am very stress and don't know when they going to put my property into foreclosure. Now with XXXX XXXX. They also sent me the same statement that my mortgage become $ XXXX/month due to my property tax increase.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations.
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (AZ)

I paid on my loan for 10 years. I learned about the loan forgiveness and switched to this plan. I was informed that they prior 10 years would not satisfy the plan since I was not officially on the plan. Thus, I changed to the loan forgiveness plan. 
As I was beginning to monitor the 10 years to repay, I noticed that there was nowhere to see the end date of the loan forgiveness plan. XXXX XXXX told me the years I had paid since XXXX were not being counted toward the terms of the loan forgiveness. To date, I still have not had this reviewed and an answer provided as to why my payments since XXXX have not been added to the 10 year forgiveness plan. 
When I re-applied this year ( IBR ), my payment increased due to my income. I stated that I needed a lower payment and I was told I had to resubmit my application. This was resubmitted. Since XX/XX/XXXX I have not had resolution, continue to get emails stating the I am overdue on payment. I have documented all phone conversations and submitted these conversations in writing to my account under 'uploads '. I am told I do not need to make any payment and that the issue is going to be resolved within 24-28 of today ( XXXX/XXXX/XXXX ). At this point, I want these 2 issues resolved and my account brought current.
Consumer complaint received 2019-01-28
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018 2018
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-08-24
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. (TN)

On XX/XX/2023 I sent off a dispute letter to Equifax regarding an inquiry listed on my credit report and I asked that an investigation be done to verify this information being report is 100 % accurate according the FCRA. 

On XXXX XXXX I received a letter back stating that particular inquiry was removed, however, it is still reflecting on my credit report.
Consumer complaint received 2021-08-18
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: Bread Financial Holdings, Inc. (NY)

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft CCB/XXXX Date of inquiry : XXXX  This is not mine. 

2. Identity Theft CCB/XXXX Date of inquiry : XXXX This is not mine.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2019-01-21
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. ()

Name is incorrect in the credit file.other information is correct except defaults. 

Its almost a month, I am following up with equifax, but no results. My home loan is not approved and my settlement date is very never.It would be huge financial loss to me.please help me out.