davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (WI)

I have been a long standing customer of Citibank and about two years ago my husband and I signed up for the CashBack credit card. About 6 months ago my husband very quickly passed away due to XXXX. When I went to claim my cash back rewards, I was told that only the cardholder can receive the rewards. As the secondary holder, I was not entitled to claim them. 
I have been an earned in this unit, I take care of bill paying and I am the primary consumer with this card. I was insulted that I was not considered a partner because I have always been one in my relationship. I find this a discriminatory practice, particularly to older women. We have enough issues with the death of a spouse to then be slapped in the face by this discriminatory policy of Citibank. In addition, I was rudely treated by the XXXX collection agency before the last bill on this account was received!
Consumer complaint received 2016-12-30
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of America Ltd. (NM)

This debt collector calls me all the time and I explained to them I have health insurance and they need to try to collect the claim from them not send me to collections. They told me i was un insured I told them I have XXXX they went on and told me how would you like to take care of the debt and i told them my insurance would have to pay it and the person I was talking to said ok I will put down you dispute the debt and it will say that on your credit report and that was the end of the call.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

My Wells Fargo checking account, on XXXX separate occasions was incorrectly managed. Each time my balance in the account was about {$50.00} less than it should have been. It appears that purchased was put in pending status, and the amount deducted from my balance. Then about XXXX days later those purchased were deducted again and placed in posted status. Each time I called Wells Fargo and spoke with customer service regarding this error. Each time I was told that that could not have happened ; that the items in question would have to had been credited back to my account and only deducted once. Some of these transactions resulted in overdraft fees having been charged. In short, I am out of about {$250.00} due to Wells Fargo 'bad ' accounting. I am closing the checking account ASAP. Is there a way I can be refunded the {$250.00} dollars. I have no documents to attach since the day the transactions that are deducted twice or placed in pending with a certain date ( and that is the date I use to deduct from my balance in my checkbook ), then those transactions are again placed in 'posted ' XXXX or so days later with another date. So the transactions do n't appear XXXX on the statement, the date are just changed. Exampled : Pending XXXX/XXXX/16 and deducted from balance, then days later Posted with a date of XXXX/XXXX/16. But, the transactions were deducted twice!
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I have had multiple problems with my loan servicer including : 1. problems with customer service 2. receiving bad information about my student loan 3. trouble with how my payments have been handled 4. disagreement with fees charged My loans were transferred to MOHELA with my first payment in XX/XX/XXXX. I was notified after I made my XX/XX/XXXX payment that my loan status was changed to forbearance and that my next payment was not due until XX/XX/XXXX. After multiple attempts of hours on hold with MOHELA, I was finally able to get ahold of a representative who helped move my posted payment in XX/XX/XXXX to apply to XX/XX/XXXX. However, the payment reposting was applied on XX/XX/XXXX which was greater than 25 days before my next payment was due, so it appeared as if I still owed for XX/XX/XXXX. After additional multiple attempts with many hours on hold, I was able to get ahold of a representative who told me because my account was in forbearance, they were not able to apply the payment until my loan was active again, and asked me to call back after XX/XX/XXXX ( looking back at this, I now realize this doesn't make sense as the posting was moved from XX/XX/XXXX to XX/XX/XXXX while my account was in forbearance ). 

I called again after XX/XX/XXXX at which time a representative told me " it could take 5-7 business days for the payment to become active and it never appeared to have been paid. I called again a few days later at which time I was told " the last request must've been deleted ; I'll resubmit ''. On XX/XX/XXXX ( payment date ), my payment was STILL not posted. I called and got ahold of a representative that said they would submit my payment on XX/XX/XXXX, but it would take " a few days to post and it might look like you have a late payment, but the credit bureau can call and ask about your loan payment date and we will tell them it was paid on the due date ''. As of today, XX/XX/XXXX, I was emailed by the XXXX stating I have missed a payment. Looking on MOHELA, the payment was finally processed on XX/XX/XXXX, but it now shows that I have an outstanding balance of XXXX with my next payment due for XXXX. My monthly payments are calculated at XXXX which would me that I should not have any outstanding payments if my XX/XX/XXXX payment was credited correctly. I have also just noticed that my monthly payment amount was changed to XXXX without any prior forewarning. I have attempted to call customer service again, and have not been able to get through to a representative.
Consumer complaint received 2021-09-01
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: Bread Financial Holdings, Inc. (NY)

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


1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CB/NY & CO Account Number : XXXX This is not mine.
Consumer complaint received 2017-02-27
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: Partners for Payment Relief (CA)

On XXXX/XXXX/XXXX, debt collector accessed my credit without my permission and claimed reason was for real estate application. I never submitted a request for credit application with debt collector. I made contact with company used to access credit and was referred to their Compliance Dept. on XXXX/XXXX/XXXX. Then was told that inquiry could be removed but only if I sent them a copy of my Driver 's License and social security card or a XXXX that shows my social security number. 

Company : XXXX/Partners for Payment Relief XXXX : XXXX XXXX XXXX Person whom I spoke with at XXXX is XXXX XXXX XXXX ) XXXX In XXXX XXXX debt collector filed a Notice of Default with County Recorders Office, to foreclose on property. I would like the inquiry to be removed from my credit. The Notice of Default was proper procedure for this type of debt collection, not an unlawful/deceptive access into my credit for any reason not authorized. 

Thank you.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I bought my home in XX/XX/XXXX and refinanced with XXXX  dba XXXX in XX/XX/XXXX which sold the loan to XXXX in XX/XX/XXXX. There have many different Servicers and the most recent on is Caliber. 

Caliber asked us to provide them evidence that we paid them during XX/XX/XXXX to XX/XX/XXXX, but they denied receiving it See evidence attached. They charged fees and expenses during my active Bankruptcy, which is presently in appeal before the XXXX Circuit and we are going to Court Ordered Mediation. ( ADR ) Per RESPA, TILA, FDCPA, FAC, CAL CIV CODE, etc. We requested further information from Caliber and XXXX XXXX XXXX, allegedly acting as a Trustee for the XXXX XXXX XXXX Trust, and they have failed to provide it and disclose detailed information about this Trust which we require for Mediation. 

We have also demanded a copy of their most recent Proof of Claim ( POC ) and rectification of what they have stated in the attached documents. 

Also, they keep attempting to foreclose on our property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place. 

They have even sent drones and taken pictures of my family and home without our permission which is totally unlawful in XXXX. We filed a complaint with the XXXX Police Department with evidence, and they must now disclose the information of who was/were the individuals that flew the drone ( s )  over our home near the XXXX Airport, and deliver the originals to the Police Department in XXXX, or run the risk of any employee of XXXX XXXX DBA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CALIBER HOME LOANS, et al being arrested. We are in the process of filing a Temporary Restraining Order ( TRO ) against them. 

We await all the documentation requested as soon as possible.
Consumer complaint received 2015-06-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (LA)

Client has applied for a modification through US Bank and all of the requested documents have been returned in an timely manner.  However, to date US Bank is still requesting the same documents over and over and saying that the documents are expired.  Reason being is because the keep the documents until they expire.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MI)

I have had XXXX modification with no help. Never received any considetationin lowing my payments. I following all guildlines required under the HAMP. Also, I went through the three months programs in a timely manner. My issued beingthey never decreased my interest rate to help me with my payment. The 31 % guildline make it imposible to obtain. No flexiable consideration offer above of be-low this percentage consider. Never given the consideration due to the basicincrease in Taxes, Hm Ins. Food and transportion. I feel they are discrimationinvolve and dont want us to modify due to my race. We only want to make a reasonable payment. On limited income soc sec.
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX. XXXX XXXX ( " XXXX '' ) was sold to XXXX XXXX in a trade-in 2. Vehicle liability was released from XXXX XXXX XXXX ( me ) to XXXX XXXX XXXX. Payoff quote was obtained by XXXX ( XXXX 's lender ) XXXX. XXXX XXXX took ownership of the Vehicle and sent a check to XXXX to complete the payoff of the loan XXXX. CapitalOne shows an " Open Date '' for a new loan on the Vehicle of XX/XX/XXXX, maturity date of XX/XX/XXXX. 
XXXX. CapitalOne requested power of attorney for the Vehicle ( XXXX XXXX XXXX submitted both electronically and via maildespite not knowing why this new loan existing, and this is my mistake for not catching it earlier ) 7. CapitalOne begins requesting payments towards the Vehicle 's loan 8. CapitalOne sends communication asking for " completion of the refinance '' I did not request a refinance, and I am concerned that XXXX XXXX screwed up and started this loan. 
XXXX. It is my understanding the CapitalOne does not have the title and should not have any standing or legal/financial claim to the Vehicle and thus any auto loan under my name. 

Payments : XXXX} Vehicle payment by XXXX XXXX XXXX to CapitalOne on XX/XX/XXXX Charges XXXX XXXX XXXX Late Fees Assessed '' and charged on two occasions : XX/XX/XXXX and XX/XX/XXXX. Totalling {XXXX} I have documentation that I can include as attachments
Consumer complaint received 2017-01-31
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AL)

This is the 3rd instance where I 'm sending an international money transfer with Western Union and there is a screen asking for bank username and password. I have notified Western Union and they reported that there is no such request from their website and have not been willing to follow up with this and resolve it. My bank account was just compromised and this is the only website that had access due to this screen built in. I took a screenshot this time to prove it. The company should be fined or shut down for encouraging data theft and not investigating it properly.
Consumer complaint received 2017-05-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (CA)

The two ab ove accounts where removed off all three credit reports in  XXXX , i sent in documents to prove it was n't my loan, it somehow got reinserted  XXXX  to my  XXXX  and   XXXX   credit report, which is affecting my credit, the account does n't belong to me, by law you are not allowed to reinsert a removed/or deleted item after 7 days
Consumer complaint received 2015-05-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CT)

We have applied for HAMP at least XXXX times with Wells Fargo Home Mortgage. Each instance, they have offered us a " refinancing '' option that was impossible to agree to. We were told each time that deciding on the refinancing option would NOT impact our application for HAMP. However, each time we declined the refinancing option, we were then notified by Wells Fargo that our HAMP application was rejected because " you withdrew your request ''. This is not true. We rejected the refinancing option. NOT the HAMP application.
Consumer complaint received 2015-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MI)

After getting a landline phone and number, we started to get debt collectors calling for debts that do not belong to us and that the people they are looking for we have never heard of. We tell them that there is no such person, however, these debt collectors keep calling!! Can you help us? XXXX of the companies is " Enhanced Recovery '' at XXXX and XXXX. Another is XXXX XXXX ( or that is what it says. However, that is not them.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-06
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I would like to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 
Because I did not apply for credits, I have also reached out asking that they remove the inquiry from my credit profile. 

Please start an investigation.
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (UT)

My loans are serviced through MOHELA. For the past month their website/server has not been working. I am unable to access my accounts to make changes and view balance, status, etc. since their website isnt working, I cant find any other contact information. I am completely unable to do anything related to my loan, including adjust my payments.
Consumer complaint received 2022-02-14
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. (OH)

i was told i was getting paperwork to fill out and never received the documents. this is not my debt and i never lived at the property in question. i was a victim of identity theft, some unknown person rented an apartment without me knowing. and without my permission.
Consumer complaint received 2021-06-04
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. (TX)

I've sent multiple letters to these credit bureaus regarding fraudulent inquiries on my credit report. And they wont remove them. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TRANSUNION SAVE YOURSELF SOMETIME IF YOUR COMPANY WOULD FOLLOW THE FCRA SECTION 609 FEDERAL LAW YOU SHOULD N'T HAVE TO SEND MY DOCUMENTS TO THE CREDITORS PER THE LAW YOU ( TRANSUNION ) SHOULD ALWAYS HAVE THE CONSUMER ORGINAL CONTRACT ON FILE AT ALL TIMES
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I went chapter XXXX bankruptcy and was fully discharged in 2014. I monitor my credit reports weekly and I notice that XXXX who was included in the Bankruptcy continues to contact the reporting agency 's each month reminding them that I was Bankrupt in 2014. It causes a red flag as my credit card recently alerted me when applying for credit. XXXX is the only creditor who does this and I believe they are allowed to continue to remind the agency 's since the case was discharged fully in XXXX 2014. I will attach a copy taken from my Transunion Credit Report.