davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

I contacted Grant & Weber on XX/XX/21 to inquire about a collection that I did not recognize, but is currently reporting on my XXXX report. I provided all of my personal information, including social security number, and the agent was unable to locate an account. I then requested for them to remove the collection from my report and was advised that since they could not locate the collection that there was " nothing they could do '' about it. I was told to contact XXXX, which I have already done and was told to contact Grant & Weber. I'm going in circles. 

I have attached a screenshot of the collection which shows that Grant & Weber last reported it on XX/XX/21. Since they reported it, they should have a record of it, correct?
Consumer complaint received 2021-09-22
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. (IN)

I have sent letters to each XXXX, XXXX, and Equifax on multiple different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-12-17
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: ALLY FINANCIAL INC. (OH)

I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.
Consumer complaint received 2021-09-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCM Finance LLC (LA)

I XXXX XXXX XXXX, entered into a consumer credit transaction with CCM Finance LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. XXXX usc XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CCM Finance LLC took cash. The finance charge is suppose to include insurance, but CCM Finance LLC made me purchase insurance separately. 15 USC 1692 ( a ) .states, Abusive debt collection practices contributed to the invasions of individual privacy, CCM FINANCE LLC willfully gave and willfully admitted to giving my information to a illegal third party, XXXX XXXXXXXX XXXX XXXXXXXX, who wasn't a witness to the agreement, and also I never made any agreements with nor contract with, my personal information to find my location, which is an invasion of my privacy and sensitive information, to come and steal my vehicle which is theft. CCM FINANCE LLC is in violation 15 USC 1611. CCM FINANCE LLC willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable.
Consumer complaint received 2021-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I had submitted a payoff request for one student loan that was granted that request and I received a letter stating that my loan was paid in full XXXX of XX/XX/2021. After this letter I had an additional loan taken out and that loan had merge or included the now paid loan balance in the total amount borrowed. So rather than having an entirely new loan with a principal balance of {$3800.00}, Fedloan merged the previous paid off loan and a new loan to create a loan with a original balance of {$7400.00}. I have sought to go through their email service and they declined to acknowledge that the loans were merged and claimed that each disbursement was separate and nothing has been merged.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX, in our phone conversations you extended me the opportunityto proveto WFB CCS that the reasons WFB decreased my credit limit were false. By providing you proof with either a credit report or request a credit limit increasedwith your CCS team that involvespulling my credit report. In my conversation with the Manager, I specifically asked what your lookback period is ...? She responded, 12 months. I also asked fromwhat date? What date did you use onme? She replied XX/XX/XXXX, But I'm pretty sure it was XXXX XXXX, XXXX, Either way, you'll see, from the uploaded credit report with this complaint, that all collection accounts have a last reported date of XX/XX/XXXX which is outside the look back period ... in other words, not within your look back period of 12 months that is from XX/XX/XXXX to XX/XX/XXXX. ALSO! They are not opened. All collection accounts on my credit report are " closed ; '' and reported closed the same date last reported with a " zero '' balance too. 
You will also see duplicate accounts for the same collection accounts three months later dated XX/XX/XXXX showing the same original balances that are easily identify as duplicate reporting ... with same information that states closed with no balance owed. Again not any collection account is being reported within your look back period, showing opened or with a balance. Per your final letter on the matter, your reasons for decreasingmy credit line specially states : '' late payments or negative record in the last 12months. " and " recent late payment on credit report. " Take a look at the credit report provided and you'll see the information you based your decision on is false. 
In addition, all opened accounts are in good standing ; and I know they have been since they opened. Credit report provided shows you a look back period on satisfactory accounts as far back as XXXX. Regardless, none of the open accounts report any late dates ever or lates within your look back period .They all state paid as agreed. 
Moreover, take note that the credit report does not state how many times any account has been paid to zero. Your letter specifically states, '' low paymentto balance on WF credit card " ... only! Therefore, WFB CCS would knowhow many times I have paid it off to a zero balance and or paid down the balance. I have had my card since XXXX. I have most certainlypaid it off several times and paid down the balance many times in attempts to lower my debt. ************Furthermore, look at page17on my credit report, you'll see that the very next month XX/XX/XXXX I paid off the same Wells Fargo credit card account in question from $ XXXX a zero balance. *********************** So bringing the above to your attention, where are the late ( s ) payment ( s ) you supposedlysaid I had in the look back period ...? AND! How is it that I passed all other previous credit account reviews??? ... when I had open collections???
Consumer complaint received 2021-09-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc. (MI)

I was requesting under the freedom of Information act the contact person that is on my credit report XXXX XXXX, that is employed with Nelnet. Nelnet has denied me that information. I am cover with a Surety Bond that has paid off my student loans that has defaulted. And therefore my debit was paid in full.
Consumer complaint received 2021-11-25
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself. The Equifax Credit Bureau is reporting inaccurate information on listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX CARD XXXX )
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

Citibank sent my new Citi Priority Debit Card ( CPDC ) to a non-address in XXXX by omitting the last digit of my house number in my mailing address. And my mailman did not ask if anyone in my row of townhomes was expecting an evelope from the US. 

As a result, my new CPDC was returned to the sender and subsequently destroyed. 

My mailing address had been entered incorrectly or changed in my account without my permission, as the email sent by Citibank informing me of the imminent arrival of my new CPDC was full of abbreviations, a shortcut that was not my doing as my communication with Citibank service representatives on XXXX shows. 

Moreover, the change mailing address feature in my online account has been disabled for some time. 

In order to have another CPDC sent to me, Citibank required that we go on the phone. 

We did just that and Citibank proceeded to have me fail their personal question test, because the service representative asked me for an " alias '' which I might had used when opening this joint account instead of for the name of the co-holder, who is my father. 

The confusion threw me off, and I told the representative I had heard what sounded like the mentioning of my father 's name at the end. When pressed for an answer to a possible " alias '' used, I could only say " none of the above ''. 

I was told that I had failed the personal question test. One strike against me, and I was out. 

I would like to add that several of the multiple choices provided for the " alias '' I was asked to choose from, were poorly pronounced XXXXsounding names. 

I ask Citibank : Where is that training for cultural literacy and an end to racism? I expect a well-known American multinational financial services provider to be more professional. 

PS : I have attached XXXX ( XXXX ) screenshots of evidentiary materials to support my case. Attachments # XXXX show our communication on XXXX and an email from Citibank ; XXXX # XXXX shows my expired CPDC.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

My Citi-bank card was used without my authorization. I contacted Citi-bank after not receiving my bill and they connected me to the fraud department. Beginning on XX/XX/2021 they reported numerous charges or attempted charges through XX/XX/2021. The person 's name that used my card is listed as XXXX XXXX. I have reported this to XXXX. 
The person that used my card changed my address, phone number and email address. I don't understand how this was done without my permission, I used this card at XXXX XXXX group and they reported that they were hacked and patient 's information was exposed.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

Hello I signed up for Barclays XXXX  XXXX XXXX XXXX towards XXXX end with a promotional offers of XXXX XXXX XXXX and {$95.00} statement credit after spending {$2000.00} within 90 days. I met the requirements and got the XXXX XXXX XXXX but haven't got the {$95.00} statement credit. Barclays is denying {$95.00} statement credit and telling me that it's not in the offer terms Luckily I got the offer terms downloaded before that offer was gone and also took the screenshot from their website. Attaching both with my complaint
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

XXXX 2022 called Mr Cooper to advise job loss due to Covid , had obtained new job but would not have first paycheck for several weeks -Was told I would be placed on an agreed payment plan that would not affect credit, was instead placed on a payment plan that resulted in credit affected. 
-Advised payment plan installment must be called in to pay via phone -Paid via phone to then have an unauthorized automatic payment debited same week resulting in bank fees, several hours on the phone with Mr Cooper and Bank conferenced together. 
-Both debits were credited versus the intended 1, resulting in defaulting out of payment plan without consent. This was Mr Cooper processing error. 
-Placed back on a payment plan to correct processing error for additional 3 months -Questioned Mr Coopers new payment plan as the payment amount did not add up to the amount owed to catch up missed XXXX payment. 
-Mr Cooper assured on several calls that amount was correct.

-Mr Cooper assured on several calls that notes were left confirming I was calling in concerned about the amount and confirmed amount reflected correctly for repayment plan -Amount was incorrect resulting in completing the repayment plan reflecting still delinquent. 
-Placed back on repayment plan and again, amount was questioned as this was too low. 
-Mr Cooper assured this is correct and advised they made note again that this concern was addressed. 
-Repayment plan completed resulting in still reflecting delinquent. 
-Contacted Mr Cooper again looking for resolution as the continued processing errors caused by Mr Cooper has had a direct and catastrophic impact on my credit score, credit limit, and placed a detrimental financial burden and strain being unable to afford basic living commodities.
Consumer complaint received 2021-09-22
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. (CA)

I hope you can help me. On XXXX XXXX I file disputes with all three credit bureaus XXXX, XXXX and Exquifax. The things I am disputing are simple late payments remove, remove me as authorized user on some accounts arent mine some are showing balances when they were paid in full. I know the law is 30 days and it was been way over 30 days. I even sent these certified mail and I still havent got back the return slips. You cant tell me they have not received these letters. 
I am trying to get my credit clean up and I am getting no help from the credit bureaus.
Consumer complaint received 2021-09-22
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 (WI)

Why is Wells Fargo and XXXX putting remarks on an account that has been closed for YEARS!? MY CURRENT DISPUTE IS FOR THE MISHANDLING AND REPORTING OF MY FORBEARANCE PLAN DURING COVID19. Why are you adding remarks to accounts that have nothing to do with my mortgage!
Consumer complaint received 2022-08-23
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (MI)

This is a follow-up XXXX that was returned as " not our company '' which is false. We verified by calling Reverse Mortgage Funding today that you are servicing this loan. Why do you make this so hard? 

To : Reverse Mortgage Funding From : XXXX XXXX XXXX, elder sister of XXXX XXXX XXXX, deceased re : Extension needed to stop foreclosure PROPERTY of XXXX XXXX, deceased XX/XX/2022 ADDRESS : XXXX XXXX Ct, XXXX XXXX, CA XXXX I just spoke to XXXX to request an extension for the home property of my brother, XXXX XXXX, which apparently is threatened w/ foreclosure. I am trying to deal with this from MI. I explained that for Proof of Effort, I had already provided contact information for the Realtor and the Attorney handling the property sale but that I could not provide an ad for the sale until probate has been completed, which they hope will occur by XXXX but we dont have any control over the judicial system that does this. I had already provided the information for the Realtor and the Attorney for the proof of effort but will provide it again : Atty : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX cell : ( XXXX ) XXXX This is the Attorney who is handling the probate. Realtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX cell : ( XXXX ) XXXX This Realtor is managing the property and tending to the landscaping, which you can easily witness by visiting the property. They can not prepare the interior until probate has been complete In the meantime, can you please grant the extension and stop the foreclosure? Also, my brother XXXX  from XXXX complications. So he would qualify for foreclosure extensions through federal protections. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ( XXXX ) XXXX, office ( XXXX ) XXXX, cell XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX XXXX I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.