davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2018-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

In your XX/XX/XXXX response to my complaint you state We did not receive a complete forbearance request from you in XX/XX/XXXX where you agreed to the terms and conditions of the forbearance. Please explain why you are now stating you did receive the forbearance in XX/XX/XXXX when prior you stated you did not. Please also explain what exactly was incomplete about the forbearance you received in XX/XX/XXXX. You go on to state We are unable to retroactively apply a forbearance to your loans, per your request. Please explain why you did just that, in XX/XX/XXXX, despite the forbearance being incomplete as you claim. You go on to state nor will any late fees assessed or interest accrued be removed. Please remove these fees, the interest, and your derogatory XXXX credit agency reporting as previously requested.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear to whom it may concern, My name is " XXXX XXXX '', I'm writing request inaccurate items in my credit report need to be removed. According to the Fair Credit Reporting Act, I expect you to complete this verification withins 30 days. 
" Name reported '' _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Student loans** _XXXX XXXX XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.

**Credit Card** _XXXX XXXX XXXX Opened Date XX/XX/XXXX How there can be XXXX $ monthly payment in a closed account. There are high balance of {$1000.00} when the Amount past due is {$360.00}. This account need to be removed immediately, there is no need to reinvestigate. 
**Credit Card** _XXXX XXXX Opened Date XX/XX/XXXX I never have any financial obligation with this company. Please delete it!!!! 
**Credit Card** XXXX XXXX Opened Date XX/XX/XXXX how there can be $ XXXX  monthly payment in a collection charge off account. This account need to be removed immediately. There is no need to reinvestigate!!! 
**Credit card** XXXX XXXX  XXXX Opened Date XX/XX/XXXX How there can be $ XXXX  monthly payment in a charge off account. The account balance is XXXX $ when the amount past due is XXXX . Delete it immediately!!! 
**Credit card** XXXX XXXX Opened Date XXXX XXXX, XXXX This charge off account is not mine. Someone intended to put them in my credit report in order to make me pay for something I don't own. In addition, The amount past due is XXXX $ and the account balance is {$770.00}. DELETE IT IMMEDIATELY!!! 
**Student loans** US DEPT OF ED/XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** US DEPT . OF EDUCATIO Opened Date XX/XX/XXXX This account is not belong to me. I have never receipted any mailed disclosure and early notice before this is listed on my credit report. Please provide payment agree and full documentation about this account or you must delete it in time frame of 30 days.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

On Equifax I 'm showing XXXX hard hits to my credit rating. Why are inquiries that are over 2 years old still showing? XXXX XXXX has removed the XXXX oldest. 

Why is Equifax still showing a judgement that was satisfied a number of years ago still on their report, but, has been removed by XXXX XXXX?
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I submitted a dispute on XX/XX/XXXX and per equifax, I would have results from my dispute by XX/XX/XXXX. I submitted disputes online and have received NO results. I need the following items removed from my credit report as nothing has been found in the Equifax investigation to validate these incorrect items that are on my report. XXXX {$1100.00} XXXX {$1500.00}
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (OK)

Received call from XXXX XXXX threatening to garnish paycheck and file complaints with licensing board against my state licenses. Amount changed 3 times during conversation from XXXX to XXXX to over XXXX. This debt is more than XXXX years old and this is the first thing I have heard from this company and they were threatening and abusive. They refused to give their names or employee ID and also refused to let me speak with a superior when she would not answer my questions. They did not have my correct information or amount of alleged debt owed. This is a predatory company and they need to be disciplined as such.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

United Wholesale Mortgage transferred my loan to XXXX Mortgage. I called to find out how to discontinue the auto pay i had established with them. I was told that it would automatically be disconnected and no further payments would be automatically collected. So i issued a payment to the new mortgage company which was processed XX/XX/22. Then on XX/XX/22 XXXX took another payment thru auto pay which i never set up with them. I never gave them my checking account info nor permission to automatically take any payments. United wholesale disbursed my personal account information nationstar and they basically used it to steal money from my account that i did not owe them. I believe they both are in violation of using my personal info to steal money from me.
Consumer complaint received 2021-03-01
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. (AZ)

XXXX XXXX XXXX is reporting incorrectly to XXXX XXXX Experian and XXXX  a ( XXXX XXXX XXXX late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This morning, XX/XX/2020, at XXXX XXXX  I got an automated call from Bank of America, telling me, that they want to collect a debt I should have on my credit card with them. 

This is one of the dirty tricks Bank of America has developed to steal money from unsuspecting citizens. And who better than to do that from the elderly. 

I am XXXX years old. About two months ago I got a call from Bank of America with a lot of promises too good to be true. I fell for it. You see : doing business over the phone is bad, because you have no time to think things over. They " bank '' on that. 
They sent me a credit card, which I destroyed and did NOT activate. 

Nevertheless they claim now, that I have incurred a debt of {$93.00} on this card, which they want to collect. 

If this is not Highway Robbery, I dont know, what is. 

I request herewith Bank of America to stop to bother me ( they call me at least twice a day ), cancel the credit card and the so-called debt and to stop at all with their dirty tricks. Shame on them!
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Dear to whom it may concern, My name is " XXXX XXXX '', I'm writing request inaccurate items in my credit report need to be removed. According to the Fair Credit Reporting Act, I expect you to complete this verification withins 30 days. 
" Name reported '' _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Student loans** _XXXX XXXX XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Credit Card** _XXXX XXXX XXXX Opened Date XX/XX/XXXX How there can be XXXX $ monthly payment in a closed account. There are high balance of {$1000.00} when the Amount past due is {$360.00}. This account need to be removed immediately, there is no need to reinvestigate. 
**Credit Card** _XXXX XXXX Opened Date XX/XX/XXXX I never have any financial obligation with this company. Please delete it!!!! 
**Credit Card** XXXX XXXX Opened Date XX/XX/XXXX how there can be $ XXXX  monthly payment in a collection charge off account. This account need to be removed immediately. There is no need to reinvestigate!!!

**Credit card** XXXX XXXX  XXXX Opened Date XX/XX/XXXX How there can be $ XXXX   monthly payment in a charge off account. The account balance is XXXX $ when the amount past due is XXXX . Delete it immediately!!! 
**Credit card** XXXX XXXX Opened Date XXXX XXXX, XXXX This charge off account is not mine. Someone intended to put them in my credit report in order to make me pay for something I don't own. In addition, The amount past due is XXXX $ and the account balance is {$770.00}. DELETE IT IMMEDIATELY!!! 
**Student loans** US DEPT OF ED/XXXX  XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** US DEPT . OF EDUCATIO Opened Date XX/XX/XXXX This account is not belong to me. I have never receipted any mailed disclosure and early notice before this is listed on my credit report. Please provide payment agree and full documentation about this account or you must delete it in time frame of 30 days.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Today I was on the phone with Citibank attempting to find out the status of our rewards for the use of the Citi-Costco card, there were more than {$600.00} dollars that we were entitled to during 2019. I was told that because my wife had given up her card the rewards were forfeited! I was outrage when I heard that. I explained that I am also a Costco member and have the Citi-Costco card, I requested that the rewards be transferred to my account, I was told that that is not an option. We spent a lot of money to accumulate such an amount ( more than {$600.00} ) and  Citibank just indiscriminately decided to forfeit them, that is ludicrous and not acceptable. Citibank can not be allowed to hold a cardholders hostage by dispensing the rewards at their pleasure. The rewards are the property of the cardholder who spent the money to earn them, they are not a gift from Citibank. 

I was so enraged by Citibanks attitude that I decided to pay the owed amount of {$14000.00} on the spot. I have two other Citibank cards that I am considering closing and not ever do business with Citibank ever again. I want you to know that if that is your policy, it is completely wrong! My wife and I charged thousands of dollars on the Citi-Costco card with the intent of getting a respectable sum in return and its disgraceful that Citibank can just decide to forfeit more than {$600.00} of my money. My wife was NEVER told that she would lose the rewards if the account was closed. Other credit companies allow cardholders to either cash or transfer their rewards to other rewards programs but according to the employee I talked to Citibank doesnt do that!
Consumer complaint received 2021-03-01
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. (FL)

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 an items on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Consumer complaint received 2018-02-25
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: JPMORGAN CHASE & CO. (TX)

OnXX/XX/XXXX, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from XXXX  that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (WA)

I have called global lending services, my auto loan company, and they admitted they misallocated a payment incorrectly in XX/XX/2020 and applied a portion of my payment to my late charge balance which it should have not done so. It should have applied my payment first to the principal and interest in accordance to fully satisfy my monthly payment. The misallocation in XXXX  left a small balance less than XXXX $ dollars carrying over and putting me more than 30 days past due on my most recent credit report for XXXX. But has the misallocation not occurred in XXXX I would have not gotten a late payment for XXXX as my XXXX payment became just due XX/XX/XXXX and I satisfied my XXXX payment on XX/XX/XXXX with a debit card payment of XXXX. I need my payment history for XXXX of 2020 to be fixed on all three bureaus because I have been working hard to avoid a 30 day late so I can rebuild my credit and now my scores have dropped more than 30 points due to this error. I have spoken to an account manager today XX/XX/XXXX And he assured me the issue will be fixed but I need to ensure this is handled ASAP
Consumer complaint received 2018-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I have a new mortgage through a company called LoanCare ( My mortgage has been sold several times since I first got it back in XX/XX/2017 XXXX and I found out that when I make my payments online, there is a {$5.00} payment fee after the XXXX of the month and a {$10.00} payment fee after the XXXX of the month. I was under the impression that there could be no late payment fees until after the XXXX of the month on VA loans. Here 's the breakdown : Online payment XXXX of the month though the XXXX of the month- No Fee Online payment XXXX of the month though the XXXX of the month- {$5.00} Fee Online payment XXXX of the month though the XXXX of the month- {$10.00} Fee The only way to avoid these fees is to either mail in your payment, or set up and automatic withdrawal. 

While they may not be calling these fees " Late Fees '' they are fees that are assessed based on the day of the month that you pay, e.g. late fee. This seems like a shady business practice and not in line with what the VA envisioned when they created the rule that there can be no late fees before the XXXX of the month.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (CO)

My mortgage has been sold/assigned several times, and each time, the acquiring company seems to lose some of my information, or tries to change the rules. 

Most recently, it was acquired by " Arc Home ''. Arc Home started sending me messages in XXXX that my flood insurance was out of date. I submitted my updated flood insurance before it was due, and figured all was well. They sent me more letters - so I resubmitted it. I attempted to call them, but it was impossible to get them on the phone, so I used their secure messaging option on their website. It was never responded to. 

Right about XX/XX/XXXX, after multiple attempts, I was finally able to get someone on the phone. I showed her that I had insurance, and that the mistake was theirs. She agreed, but noted that the insurance wasn't as sufficient amount. However, none of the documentation specified an amount required - and this was odd because I'd never had this problem in prior years, leading me to assume they were changing my loan terms when they acquired my loan. I asked to see my loan docs they were operating from - and she said she'd send them ( she never did ). 

I then asked to speak to a supervisor. Meanwhile, I had my insurance agent representative contact the company thought the insurance company only channels, which apparently are better attended than the consumer lines. 3 days later - XX/XX/XXXX, I got a call from " XXXX '' indicating that this was in fact an error on their part, and that I did have sufficient insurance. She left this information on my voicemail - I still have the voicemail. She recommended I call a particular phone number, which I have not been able to get a human to answer - and none of the menu options provide the sort of resolution I need. Similarly, right after I spoke to the first representative, they took {$5000.00} out of my escrow account and bought more flood insurance on my behalf at a usurous rate. They did this knowing full well it was unnecessary. 

It's now been two more weeks, they've admitted wrongdoing, admitted my account is and was in good standing, yet do not answer the phone, and have stolen my money. Obviously they're not paying interest on the stolen money either ... ..
Consumer complaint received 2017-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

i Have been contacted by a debt collector on several occasions. Expressed to them that the total debt does not belong to me. After being sent an email to settle for {$700.00} on XX/XX/2020, Original amount was ( XXXX ). I disagreed because most of the debt is late fees that was charged on the account before it went into collections from the original company. I had expressed before account went into collections that this debt does not belong to me because I never used that much line of credit. They continued to ignore me causing the debt to increase because of late payments making it a total of ( XXXX ) which is mostly late fees. After disbursing this online and refusing to pay the {$700.00}, I received a derogatory mark on my credit report.