davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
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: EQUIFAX, INC. (CA)

I have been working on repairing my credit for about six months now. I have been consistently sending letters to Equifax during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Equifax is hindering my efforts. I am trying to better myself and get a better job but Equifax will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Equifax below.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc. (TX)

conns appliance is reporting late payments for XXXX2020 and XXXXXXXX  in the amount of {$140.00} for each month i sent conns copies of my bank statement several times and called a dozen times.they pass me to different departments, put me on hold for long periods of time.so i sent copies by mail to each credit bureau they say the information is accurate.how can it be accurate if i sent bank statements showing the money taken out for my payments.also conns shows on my account page im paid one month in advance so how can i be late and paid in advance that makes no since.i am attaching bank statements proving im not late.
Consumer complaint received 2016-05-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Back on XXXX XXXX, 2016 someone someho stole my debit card. I had only {$180.00} in my account. By the time the thief got through I was {$1300.00} overdrawn. I filed a complaint immediately, the bank sent an affidavit which I filled out and returned. Then I called Card Services. They told me this would be settled in 5 to 10 business days. So here it is, XXXX XXXX and I 'm still waiting for my money. They claim they already returned {$800.00} one day and {$200.00} on another. But nowhere in my bank statements are these reflected. I 've called several times and half the time I get told to call their claims department. I 've also called claims a bunch of times, stayed on the phone on hold for a half hour, using up my cell minutes, and no one ever answers. Sounds like the bank is scamming me. Am I ever going to get my money, or am I being ripped off twice? Any help you can give will be gladly welcomed. Thanks.
Consumer complaint received 2017-04-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank closed out my savings account without even notifying me. I am now in fear that they will do the same for my checking account. I went to a branch to ask why was my savings account closed, and I was told that it was probably because I was n't using it, which is not true. I have also observed that regardless of the fact that when I opened the account, I used one of their coupons, not only did I ever get the amount on the coupon, but I was told that I do not qualify for it AFTER I signed up and changed my deposits to go to JP Morgan Chase Bank. I do n't know if they use these as bait for people to join the bank. 

I was also informed, the day that I opened the account, that since I am a military veteran, that I would qualify for benefits, such as not having to pay the fee for Cashiers Checks..they have so far honored that. However, I never get reimbursed for any of my non-chase ATM fees, which was something that I am pretty sure the banker told me was a perk for military veterans.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NY)

Payment are due at the end of the month. I tried to change the payment due date to the beginning of the month I get paid. Which I did. But then they took the whole balance from my account with out my permission making my bank account in the negative. They fix the issue but added that amount to my balance making my XXXX credit card balance now XXXX credit card balance. So I removed my bank account information. I now pay thru my bank. A check was sent out on the XXXX of this month XXXX it was received by the XXXX of the month instead of the end of the month. I was charged interest plus late fees because the payment came early. So now am late and over my balance.
Consumer complaint received 2020-04-20
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. (SC)

I called Experian on Monday, XX/XX/XXXX and started a dispute process to have the XXXX XXXX XXXX # XXXX to have it REMOVED from mine and my wife 's credit report as it has been confirmed that the account was charged off XX/XX/XXXX. When I received my dispute completion it shows Experian placed the account as a charge off for XXXX & XX/XX/XXXX! This is absolutely incorrect! It has already been confirmed by XXXX as charged off XX/XX/XXXX. To me this means the Experian reps did not verify the account and simply added these marks which also caused a drop in my score! This is ILLEGAL and is now affecting my purchase of my family 's new home set to close in XXXX.
Consumer complaint received 2020-04-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I XXXX received a letter from JP Morgan Chase in the month of XX/XX/XXXX about my mortgage being paid in full by XXXX ; XXXX XXXX XXXX XXXX XXXX JP Morgan Chase said that they will no longer carry my mortgage. I have two mortgages with JP Morgan Chase. One is a regular mortgage and one is a Home Equity Loan. JP Morgan Chase kept the Home Equity loan and sold the mortgage for my home to a different company which is XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX I have received a statement from XXXX XXXX XXXX company on XX/XX/XXXX, stating all sorts of different amounts to be paid to them directly. I do not understand the payment statement and I've never received any documentation from this company. I will like my mortgages to be investigated. I have tried to resolve the issue with both lenders but they're very rude and uncooperative. I felt like I've been bullied and do not know if the payment amount is correct. I'm not sure if the interest rate is also correct on this statement. I want to pay my mortgage. It's a one family home and I've been living here with my family since XXXX. My sweat and blood went into this home and I'm not sure if I've been taken advantage of. I also wanted to add that I pay my own property insurance since XXXX. This is not included in my mortgage. I hope they're not charging me for insurance. Please help me thank you.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

Experian once again sent me a letter when I asked them to provide me the documentation that my account with XXXX was actually late at any time. PER The law in section 609 They must have on file the physical documentation to support their reporting, EXPERIAN REFUSES to give me this information. They sent me a letter stating that the credit grantor has verified the information. This is nothing more than a FALSE Statement. They are not willing to follow the law in Section 609. I am not going to continue going through this with them. They are reporting inaccurate information against me and are unwilling to update the account and remove their negative reporting. They are breaking the law. I am demanding this be updated to show paid ontime as I Never missed any student loan payment at anytime.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a mortgage modification with my company-Wells Fargo. I believe I am currently in a FORECLOSURE status on my home. I received paperwork advising me that I am approved for the Home Affordable Mortgage Program. The paperwork gives me an offer of " onging '' " trial payments '' for an undisclosed amount of time. Paperwork states that they can not tell me at " this time '' what my actual modified payments will be. How is this a modification? I appealed and stated that I am in total agreement with approval, but can not commit to so-called modification without knowing what my final payments will be. I do understand that I am not in a position to be calling the shots here, given that I am behind on my payments, but I fear that they will take the payments, and then slap me into another predatory, over-inflated interest rate, unaffordable mortgage program. They are giving me no dates as to when these " trial payments '' will end, etc. I understand that they want their money, but I do n't know anyone who would agree to this open-ended agreement.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (NV)

The original creditor did not receive my insurance information from the emergency room which was provided. I was not aware of this and now it has been sent to collection and appearing on my credit report. I have contacted the original creditor, collection agency, and my health insurance company since XX/XX/2020 but this still has not been removed my credit report. 90 days is more than enough time to fix this issue. This is negatively impacting my credit and affecting our ability to purchase home.
Consumer complaint received 2021-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

I see a debt collection of amount {$1300.00} on my XXXX report from XXXX XXXX XXXX XXXX and IC System is the debt collector for this, dated XX/XX/XXXX. 

This was not noticed until i received a notice of data security event from XXXX XXXX XXXX XXXX which provides administrative services to XXXX XXXX XXXX. 

Actually we took services from XXXX XXXX during XX/XX/XXXX and was duly paid from my insurance. 

Hackers could get my PII and health related information and billed / debt collection with back dated to extort money or else hurt my credit score. 

Please help.
Consumer complaint received 2021-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

We did not recieve our statement for XX/XX/XXXX. We contacted Loancare Llc to get them to resend a statement ( never arrived ) and get our loan number so we could make a payment. The payment for XX/XX/XXXX was made on XX/XX/XXXX. Once again we did not receive a statement for XXXX. We logged on to their website to make the payment. We were immediately shown that we were behind by one payment and that we needed to make a double payment to catch up. We made the double payment just to make sure there would not be any issues. I have attached screen shots of the emails and online account info to back this up.
Consumer complaint received 2022-10-10
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. (WI)

In XX/XX/2022 I started working with the department of XXXX in the resolution & forgiveness program & all the student loans were out of default status & removed on XXXX & XXXX but not on Equifax & the I talked to the Dept of XXXX & they said they reported for the XXXX old loans to be removed & if they dont in a month to do a dispute with Equifax XXXX So I did a dispute for the XXXX loans & my credit went down XXXX points & then the accts. were removed & then my score went back up & then a week later my score went down again & went down XXXX points!! I went from having a XXXX on fico scoring system to XXXX!! & XXXX to XXXX on vantage XXXX system. All from doing a dispute, before the dispute my credit was good, why would doing this dispute lower my score so much the company on my report for these loans reported it back accurate, its the same info before the dispute so why if they claim its accurate even though its NOT why would this make my score go down tremendously!! It is messing me up from buying a home, I have work tooooo long & hard to fix my credit for Equifax to report inaccurate info. I talked again to the dept of XXXX & they said they will send another request to remove the XXXX accounts. XXXX Of XXXX. acct. XXXX {$11000.00} DEpt of XXXX XXXX {$11000.00} XXXX of XXXX. XXXX {$5800.00} XXXX of XXXX XXXX {$3200.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX If you call this that is being reporting on these accounts it isn't even the dept of Education, a rep. I talked to about this called & she confirmed this is not us, not only is Equifax reporting false info on my report but the company is NOT even a part of the department of education. I dont know who this company is but they are reporting false info & The real dept of education has already notified Equifax to remove these 4 accounts!! Equifax should truly investigate properly & stop putting info on my report that is suppose to be closed & removed!! I appreciate if they correct the manner asap!! THANK YOU!
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX, Account # XXXX, Amount {$670.00} has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy. 

Before the expiration of the XXXX 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 ( XXXX ), 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. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Consumer complaint received 2017-01-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I lost my job due to an accident on XX/XX/2016 and i was unable to return to work until XX/XX/2016. I am back at work and i need some assistance getting back on track ... i make less money but i can still afford my mortgage ... please help me keep my 1 and only home
Consumer complaint received 2020-12-31
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: CITIBANK, N.A. (MD)

New account fraud : Fraudulent use of my identity ( SSN, birth date, phone number ) to apply for installment loan at Best Buy/Citibank. Application was made online on XX/XX/XXXX and credit inquiry was run via XXXX  on the same date. Identity verification was performed via phone call on XX/XX/XXXX. I was notified of this fraudulent activity by my service provider, XXXX XXXX. I contacted XXXX from Citibank on XX/XX/XXXX, reported as fraud and Citibank said they would remove from bureau. Application for new account was removed by Citibank after fraud report.
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

The IRS submitted stimulus payments to be deposited in my bank account but Wells Fargo is holding those funds until XX/XX/XXXX. If the government has released the funds to be deposited why is Wells Fargo holding on to the money and are they earning interest on it, if so we should get that interest.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX while in the XXXX XXXX I signed up for a card with Best Buy via a point of sale terminal, service desk. The employee did the process for me as I stated I was inexperienced with this sort of thing ( my first credit card ). The employee proceeded to sign me up for something called Enhanced Debt Protection without informing me of what it was, that he was signing me up, and that there was a cost as well. He simply did it all without checking in with me. 

Since XXXX I've been charged fees ranging from around XXXX a month to XXXX dollars or more per month without me noticing since the rates were so low. However, once I did notice it I looked into this and as it turns out the CFPB issued an order to Citi Bank for this very thing back in XXXX. For people that were signed up for this service via a service desk ( which I was ) anytime after XXXX. Citi Bank was ordered by your organization to refund {$700.00} XXXX to the affected accounts which included mine. However, back in XXXX I had no idea I was being charged for this. 

I reached out to Citibank to 1. cancel the enhanced debt protection back in XXXX of this year. 2. Request a refund for the 12 years of them charging me these fees without my approval or knowledge. 

They said they would try and get it approved and that it would take 10 business days and that I'd be notified via mail. So I promptly asked to have my mailing address updated. I waited 15 business days and had not received word. I called back, only to be told it was sent to the wrong address. I verified the correct one once more and they assured me it wouldn't happen again. However, by late XXXX I reached out once again and they apologized saying they sent it to the wrong address AGAIN. At this point it seemed they weren't taking my inquiry seriously. I am now still without word on what their decision for this refund is but it does seem based on your prior ruling in XXXX that I am included in this population that was signed up for services under false or predatory practices. I have given them over 3 months worth of time to simply notify me of my request for a refund and they have failed to do so. 

I know that as an individual in this country I don't have the money to fight something like a bank. So I am glad the CFPB is here to fight for the people who have been wronged. 

I have statements from the last XXXX years and when I asked to have statements from XXXX they have also failed to get those to me. However, they did state that I've been billed for enhanced debt protection since XXXX when I first opened the card at the service desk in store. 


https : XXXX XXXX is the link to the post that your organization made back in XXXX, highlighting the fact that citibank has XXXX done this exact same thing from accounts dating back to anything past XXXX, and that includes people who were signed up via a service desk.
Consumer complaint received 2022-08-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TNT Financial, Inc. (MI)

TNT FINANCIAL INC XXXX XXXX AND XXXX TNT finanicial sold me a vehicle and repossessed it. never disclosed any information about selling it and never took what it was sold for off of the balance. they also havent taken any payment made since off my balance. i never recieved anything showing what they sold the vehicle for what was taken off the bill because it never changed. i asked how much and to send me the information from it on the phone and was talked around and denied any information. i asked them to validate everything and they never did. they sent me a judgement from a courtday i never recieved 4 or 5 years back stating that i owe thousands over what i agreed to pay to begin with. and told me they were charging me interest on the wrong amount because they never took anything off so they just kept racking on charges to the point of no return. they have treated me poorly and unfairly and preyed on me. i would like this removed from my credit report as it has ruined my life in the worst way i couldnt settle this debt if i wanted to with all of their ridiculous charges which i would have. this is not fair or accurate credit reporting thank you
Consumer complaint received 2021-01-04
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. (NJ)

Hello, I recently had suspected fraud on my SSN and noticed there are a bunch of inquiries on my credit report that are not authorized or known to me. The suspected stolen identity has already been reporting to the government including IRS and others. As per the Fair Reporting Act, please remove the following inquiries from my credit report : - XXXX XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX