davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-28
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: Experian Information Solutions Inc. (CA)

Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, Experian and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX  XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in 2014. Please help me.
Consumer complaint received 2020-06-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Social Finance, Inc. (CA)

I first looked into refinancing my private student loan with SoFi because they offered a co-signer release, which made sense at the time ( XX/XX/XXXX ). I spoke to their Customer Account Specialist and they worked alongside me and my ex fiancee. They explained as long as I made payments on time, I would be able to release the co-signer on my loan. About a year or two into this loan, they no longer offer this option. I am not with my fiancee anymore and would like his name released. 

I've applied for Covid-19 assistance ( in XXXX and XXXX ), and have only been able to get a 30 day forbearance when they offer up to 90 days. I am also out of a job, and I don't know how I'll be able to pay {$1000.00} on top of rent, phone, car, insurance, credit card and other utilities. 

They've also denied ( XX/XX/XXXX ) my application for deferment while I'm in-school. I've accepted to enroll in graduate school this summer. However, if I ask for any assistance, forbearance, or deferment my application gets denied. I'd like to be able to make payments when I'm employed full-time. I don't see how SoFi expects me to pay my student loan, when I don't have a steady income.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NM)

I had purchased a vehicle earlier in 2016. I traded in the vehicle later in the year. The company with whom I conducted the trade with made a very big mistake with the pay out and did not put the proper VIN number to the payout check. Months had passed before the mistake was caught and all the while the company with whom I was receiving the vehicle loan was marking me for non-payment, while i was already paying on the newer vehicle. They reported my account as a delinquent account. When the mistake was finally caught and the payout became successful it was clear that the reason for the delinquent account was of no fault of my own but caused from a human error coming from the car sales company.
Consumer complaint received 2015-05-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2015, at XXXX I was in line at the City Bank branch located atXXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 

I was in line for XXXX minutes waiting to pay my City Bank Credit card, when I was approached by Branch Manager Vice President XXXX XXXX. XXXX XXXX XXXX demanded I give up my turn in line too XXXX customers who were not in my line. I explained to XXXX XXXX I had been waiting in line for XXXX minutes and I needed to get back to work ASAP. XXXX XXXX stated to me that I did not have an account with City Bank and needed to let the others customers go before me. 

I stated to XXXX XXXX, I did have a City Bank account which is my City Bank credit card and Icould pay my City Bank Credit card at any City Bank Branch if I desired. XXXX XXXX started yelling at me to get out of her Bank, because I did not have a City Bank account. I stated to XXXX XXXX I was a City Bank customer and I had the right to be in this branch to pay my credit card bill. 

XXXX XXXX became belligerent and threatening towards me because I would not give up my place in line too XXXX XXXX customers. XXXX XXXX shows favoritism to XXXX customers over XXXX customers. XXXX XXXX clearly intentionally discriminated against me, because I am XXXX, by demanding I give up my space in line and to get out of her branch, because I did not have a City Bank account, which is False.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VA)

I cancelled my Macy 's credit card in XXXX 2015 after paying off the entire balance. I did not realize that they continued to charge me {$2.00} a month until XX/XX/XXXX when I emailed Macy 's ( to have it in writing ) and called to cancel the card again. Nothing happened. By XX/XX/XXXX, I owed {$22.00}. I decided to just pay it and try to close the account for the third time. Yet, I continued to get charged this {$2.00} every month! When I called the " Specialist Department '' at XXXX, they said that I never cancelled it and that they kept charging me because I paid the balance after the billing period. They have also reported me to the credit bureaus because of this. My XX/XX/XXXX statement was back up to {$14.00}.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MO)

My car was totalled in a XXXX in XXXX XX/XX/2014. Upon XXXX reviewing the loss, they contacted Wells Fargo Dealer Services ( WFDS ) to get the total estimate of my outstanding loan and they have sent WFDS a check for the same amount. This was all within the same billing period. After XXXX sent the check, WFDS came back saying that I was late in my payment and they are showing the same on my credit report. I have disputed this record and yet there was nothing done.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/2024 I was notified that there was a hard inquiry on my credit report. It was Wells Fargo, I do not bank with them or have a credit card with them. I am not sure how they got my information. I called them to report Fraud. I have not anything from the process. I want this inquiry off my credit report. This was not me.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

After several weeks of submitting more and more information to Bank of America to secure a conventional loan, with one-third down, we were denied the loan - the reason, insufficient cash to close. At the time we needed {$45000.00} to close and we had {$60000.00} in a savings account at XXXX XXXX. We paid cash for the house 6 days after we were denied loan. We feel that there other reasons for denying the loan and would like to know what they are. We are XXXX and XXXX years of age and are wondering if any age discrimination was involved, or if we were denied because our savings account was at a different bank.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

Citi does not provide a means to cancel a credit card on their website, nor do they provide any information on how to do so anywhere in their FAQ 's, etc. It is very easy to open a card and there is plenty of information on how to do so. I do n't see why this is allowed - if it is this easy to open an account then why is it not easy to close one? Why is there no information provided? This is a card I do n't use with a XXXX balance and simply do not want to be charged a fee for it. I ca n't think of other products where this is acceptable.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

On XXXX XXXX, 2016 I received a copy of my credit report and notice an account from Common Wealth Financial that I do not recognize. I sent a validation letter to Common Wealth Financial requesting information on the account they claim I owe them. The letter was sent on XXXX XXXX, 2016. They have not provided proof that this account belongs to me. I also sent dispute letters to each of the credit bureaus. XXXX and XXXX have deleted the accounts however XXXX continues to report this account.
Consumer complaint received 2023-04-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry, I request proof that you confirmed that the creditor had a permissible purpose. I am giving you 10 Days to investigate this matter and determine whether it is still accurate, valid, and in compliance. If you can not provide proof that the information is accurate, compliant, or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a newly updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete, and timely reported. If not, please delete it immediately.
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Hi i deposited {$250.00} to my coinbase account from my XXXX XXXX XXXX bank account. 
The deposit failed " due to insufficient funds '' I had in person deposited cash into my bank. 
Later I noticed the cash was withdrawn from by bank account but did not show up in my coinbase account. I've contacted support but its been weeks with no resolution. Case # : XXXX I confirmed the missing funds by adding up all my bank 's coinbase deposits and all my coinbase purchases there is a difference of my {$250.00} deposit. I dont know which deposit is was. 

Thank you
Consumer complaint received 2015-06-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: First National Collection Bureau, Inc. (TX)

This company is located in XXXX, XXXX. They keep calling me from a number XXXX, which is an XXXX, XXXX area code, and where they do NOT have an office. I have dealings in XXXX, so I answer it. This is very deceptive.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

I have been in review with Rushmore for over 1 year trying to get my mortgage modified. We are currently assigned to XXXX XXXX, who has been nothing but combative and rude throughout the entire process. I am asking for our representative to be changed immediately, as she is nothing but degrading and very snide to my advisors as well. She has done nothing to help us but only harm the process. As I have stated, we have been in review for almost 1 year. We even told Rushmore that we have {$10000.00} to put toward a down payment on a modification, still they drag their feet. We have sent the same documents over and over. I think it 's because they just do n't like us and are trying to stall to sell our house. What happened most recently was that they put a sale date on our house for XXXX/XXXX/XXXX even though we are still in a Chapter XXXX bankruptcy that is not discharged. Not knowing the laws and not knowing we are still protected. My huband filed a Chapter XXXX in his own name on XXXX, a day before the sale, which was upheld by the Bankruptcy court as valid. Just last week, XXXX, Rushmore 's attorney, XXXX, tried to file something to overturn our bankruptcy based on a document he filed in XXXX. The bankruptcy judge overturned his filing ( attached ) and said there will be a hearing on XXXX/XXXX/XXXX to give us time to respond. I am currently talking to my atttorney to file a response to let the court know how hard we have been fighting Rushmore to keep our house. We have been assigned to people who refuse to help us. The letter from the bankruptcy judge who overturned XXXX 's filing has been on file and emailed to all involved ( Rushmore and XXXX ) on XXXX. It is now XXXX and Rushmore states that there are no new developments and they have to wait for instruction from XXXX 's office. Every day they wait is a day closer to me losing my home. They have this letter in their possession and they are still not trying to move forward. My advocate XXXX has called XXXX, who now conveniently does n't answer the phone, as well as her supervisor XXXX, who has not called him or us back for now another 2 days. I have been on the line as XXXX has left messages. I need help moving this forward, nobody at Rushmore has helped in the slightest, all they have done is talk down to us, ignore us, and ask for the same documents over and over. I further give my permission to talk to XXXX XXXX and/or XXXX XXXX at XXXX XXXX, they are working hard on my behalf but have also just been disregarded by Rushmore. I am also putting my authorization in writing ( attached ).
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (TX)

I owe for a broken lease and it was sold to a collection agency who is charging what seems like an enormous amount of interest. I would just like to know what is legal in Texas for them to charge in interest. The final account statement from the Apartment Complex is {$1600.00} however, the collection agency is charging an additional {$600.00} for a sum of {$2200.00}
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (MA)

I have XXXX 0 % promotional loans on my Discover Card with differing amounts and end dates to promotion period. I want to pay them off and avoid the 20 % interest after promotion period. When I could not find the loan amounts and promo period dates on their website or my statements, I sent an email. As you can see from the attached message string, Discover refuses (! ) to provide me with this information. I find this hard to believe its even legal. Please help.And thank you for the great work you do!
Consumer complaint received 2021-06-05
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. (MA)

On XX/XX/2021, I created a XXXXEquifax account to get my credit report and learned Equifax had combined my credit history and personal information with another person 's ( Party B ). I contacted Equifax via its dispute number ( XXXX ) and submitted copies of my driver 's license and SSN to Equifax via its online XXXXEquifax dispute interface. 

I noted to Equifax that XXXX and XXXX  do not have this problem and correctly identify me and Party B as separate entities. Additionally, I informed Equifax I should not be privy to Party B 's information, yet I had full access to Party B 's credit history, closed accounts, current and former addresses, SSN, etc. 

I contacted Equifax 's dispute number on XX/XX/2021 to follow up. The Equifax representative said they were able to view my driver 's license and SSN in the online dispute interface, but also needed Party B 's identifying information, such as photos of their driver 's license and social security card, to prove we are different people. ( Editorial note : This seems absolutely unreasonable under normal circumstances, but I was lucky enough to personally know Party B ). 

On XX/XX/2021, I obtained Party B 's cooperation, as well as copies of Party B 's driver 's license and SSN. These were submitted via the MyEquifax online dispute interface. 

On XX/XX/2021, I contacted Equifax 's dispute line and was informed by the representative that since I was not Party B, the representative could not continue speaking with me. The representative instructed I should submit my driver 's license and SSN to Equifax, either via fax or postal mail. 

I informed the representative that both mine and Party B 's identifying information were already submitted to Equifax via the online MyEquifax dispute interface, and I was looking at it as we spoke. The representative reiterated they could not continue our conversation, as I was not Party B. Call ended with no resolution.

I asked Party B to attempt to resolve the matter. Party B informed me later that day that Equifax told them to wait 5-10 business days ( two weeks ) for the corrections to his personal information and credit history to occur confirmation of the fixes will be received in the mail. 

From XX/XX/2021 onward, I have periodically asked Party B if they have received anything in the mail from Equifax, and they still have not. Similarly, I have not received any correspondence from Equifax. 

As of today XXXX XX/XX/2021 XXXX, I can still access Party B 's credit history and personal information via XXXXEquifax. 

This matter is of utmost importance for me, as I am seeking a mortgage to buy a home, but no financial institution will lend me money if one of the three credit reporting agencies has inaccurate information about me. I have missed and continue to miss homebuying opportunities as a result of this.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (PA)

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The inquiry was not authorized KIA MOTORS FINANCE Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

I sent in a XXXX request to have my PMI removed at the end of XXXX to JP Morgan Chase. I called to make a payment for this request over the phone on XX/XX/22 and was told this payment was linked to my request. I called again on XX/XX/22 since I had not received a call from an appraiser and was told my request had not been put in. I was then told that my request would be escalated and was given a confirmation #. I received a letter from Chase on XX/XX/22 stating my request had been received and if I did not receive call in 7 days to call Chase. I did not receive a call in 7 days and called again on XX/XX/22 and was told my request was never escalated despite my confirmation #. I was told it would again be escalated and that the agent would contact me in 2 business days by XX/XX/22 after reaching out to the processor on the case. I have still not received a call from an appraiser or the agent on the case and she would not provide me with any contact information for the processor of the case or anyone else involved in the case such as the vendor for the appraisal or the company who handles the PMI.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (NJ)

Starting in XX/XX/XXXX approximately {$26000.00} was stolen from my American Express National Bank Savings Account. I did no receive any monthly statements. In XX/XX/XXXX I notified the bank of this situation. The bank denied my claim except for transactions occurring within 60 days prior to my XX/XX/XXXX notification. 

On several ocasssions I requested the bank send me the documents they relied upon in denying my claim pursuant to 12 CFR section 1005.11 ( d ) ( 1 ). Despite my written and oral requests no documents were sent me. 

In XX/XX/XXXX pursuant to the customer agreement I sent a letter by certified mail to American Express ADR requesting dispute resolution ( mediation or arbitraton. ) As of the date of this complaint I have heard nothing about this request.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (LA)

XXXX  ,201  4- $  XXXX - ask   Midland Funding to remove this off  my credit report because this account is past 7 years and no one call me,