davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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. (CA)

I received a copy of my credit report from XXXX  on XX/XX/XXXX. It reflected a hard credit inquiry on XX/XX/XXXX from CBNA BBY that we did not initiate. On XX/XX/XXXX I spent 2.5 hours on the phone with Citibank and/or Best Buy at four different numbers before I could reach a supervisor that transferred me to the fraud department at XXXX. The fraud representative name was XXXX and his employee ID is XXXX. Prior to the fraud dept. I spoke with XXXX with employee ID # XXXX at XXXX. They confirmed someone applied for a new account on XX/XX/XXXX. They stated the application was still pending and I had to talk with another department to report the fraud and prevent the account from being approved. After two hours on hold, they stated the account was approved but then shut down based upon my phone call regarding the fraud.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I just received a new XXXX XXXX from Barclays jet blue. This card is blocked and now has an {$82.00} charge. Please review futures complains with this card company. Been trying for hours to get through to someone without any luck.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX, and XXXX  aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (GA)

I applied for a loan modification with flagstar back in XX/XX/2018. After reviewing it they say wasn't eligible. I never got a denial letter. Called them daily telling them I never received the denial letter. Flagstar told me to write it up and send it in and include new income. I did exactly what they told. I called 2 sometimes 3 times a week to check on my appeal. They kept saying it was being processed. They even have been rude. You can pull their phone records. They are unprofessional. Ok finally you got supervisor on the line and she told me to send in my contributor receipts I did. Ok called back something it is being processed and they have 30 days to come back with a response. They did not look at my new income at all. They automatically said it wouldn't work. So on the last day a loss mitigation representative XXXX called to say that the underwriter needed 30 days of pay stub. I have been calling 3 times a week and never was told this. On their loss mitigation package it clearly states to send in 2. I said ok I will upload them tonight. Well she assured me she will te the underwriter. But then I get a call back from the XXXX stating that I have to reapply. I said why because it is passed your 30 days. That is not my fault. I have been in communication with flagstar. I am XXXX  now because I did request to speak with a supervisor about the situation never received a phone call. It has been 3 week now. I sent back the application the next day with supporting documents. My loan is back in foreclosure with a sale date. Now everytime I call I am missing something. I uploaded everything they ask me to ... the loss mitigation XXXX stated she see the documents but the loan processor XXXX doesn't. They are trying to foreclose without helping. I need help ... please I am XXXX. They are doing the exact same thing they were made to pay for.
Consumer complaint received 2022-10-11
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: U.S. BANCORP (AZ)

I have credit inquiries listed on my consumer reports I have no knowledge of nor given permission for my credit to be pulled. I have tried reaching out to the creditors by phone and also mail only to receive nothing in return.
Consumer complaint received 2021-01-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (CO)

I offered to settle the amount owing to XXXX in full upon them furnishing the original instrument of indebtedness in its original form. I communicated with them 3 times over the course of several months. I had asked them to provide this verification of the debt legally existing by XX/XX/2020. Not only did XXXX make no attempt to provide me with the original instrument that created the liability, but XXXX didnt even reply to my communications with them. They did, however, harass my extended family members with phone calls. They called the same family members multiple times, informed them that I have a debt, and asked them to pass on messages to me. They did this even though they already had all of my information about how to contact me and communicate with me. Due to their inability to provide the original instrument of indebtedness, I informed them that I considered the matter between us to be legally and financially settled. When they finally did reply to ME and communicate with ME, on XX/XX/XXXX, they included something that was NOT the original instrument of indebtedness and continued to try to collect the debt. The letter from XXXX was simply signed XXXX, Customer Communications. There is no last name because nobody wants to be held liable for pursuing to collect an unverifiable debt. 

I am now being harassed by PHEAA, Pennsylvania Higher Education Assistance Agency, with whom I have no contractual relationship. They are third party interlopers, have no knowledge of the matter between myself and XXXX, and have no business what-so-ever harassing me. I have disputed the debt with them and informed them that the debt was legally and financially settled. 

It seems to me that there is no original instrument of indebtedness in existence which, again, settles the matter legally and financially.
Consumer complaint received 2021-01-05
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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

My private student loans are with Navient XXXXolutions. I am in a rate reduction program. I have two scheduled payments through Navient that come out on the XXXX of every single month, one in the amount of {$140.00} and one in the amount of {$63.00}. These payments have being coming out since XX/XX/XXXX via electronic checks that Navient writes to my bank, as if it were from me. My bank which is XXXX XXXX XXXX, receives the checks and processes the request for payment and it usually posts within three days of said request. These payments did NOT come out of my checking account via XXXX for the month of XX/XX/XXXX, however Navient claims the payment has posted, and continues to claim this no matter what I say. I called XXXX and asked them if they missed anything and they said they have no record of any request for payment from Navient. I began calling Navient on XX/XX/XXXX and have spoken to them a total of XXXX times since then, including a call yesterday. At first I had to fight them on getting them to look further into this issue. Finally a nicer more wise representative by the name of XXXX XXXX was able to submit a request into accounting to dig a little deeper. When I had not heard anything for a couple of days after that I called back and could not reach XXXX, so I spoke to a supervisor named XXXX XXXX. I got her on the phone and merged the call with a representative of the office of the CEO of XXXX XXXX XXXX, where XXXX was able to confirm to XXXX at Navient, indeed these payments had not come out of my checking account. XXXX submitted another request and tried to call me back but had to leave a voicemail, where she told me they are still looking into it. I have not heard anything back as of yet to these inquiries. Each time I call Navient I get a different person and I can not get the same person twice. I have to go through the whole story all over again. I have asked Navient to produce check numbers, of the checks THEY WRITE, and they can not provide these numbers. I was told twice, once by a random supervisor they don't actually log those numbers, they put in any number as a placeholder. I don't understand what kind of accounting system this is. All I know is a. my account still shows no payment posted by Navient. b. I'm tired of boing back and forth with Navient and this nonsense. I can not believe I have to fight this company to make sure a payment posted. Obviously they messed up somewhere and I can not get any answers as to why and it's been almost a month. c. I received a letter today that just reiterates the lie they keep telling me that a payment posted, which shows only one of the two payments that posted. d. I'd really like if the IRS audited this company. Something is not right here. This is absolutely unacceptable. I have attached the letter they sent to me today claiming a payment has been made. I have also attached an example of one of the checks they write on my behalf to my bank XXXX.
Consumer complaint received 2019-01-18
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: JPMORGAN CHASE & CO. (NJ)

On XXXX XXXX I received an email to thank me for my XXXX purchase. 
I didnt make a purchase and called my Chase Credit card to report the fraud. The man on the phone named XXXX told me not to worry Im not liable and would close the card and issue me another one. I also spoke to him and told him I would call XXXX because on the email it said that the order was to be picked up and I wanted to warn them. 
When I received my new card the amount was still charged on it for {$100.00}. 
I called and spoke to them again and they said they will look into it and get back to me. I received a letter from the fraud department saying that I received benefit from the transaction. I called again and they told me that they dont need to give me that money back because it was on my XXXX account. I explained that I didnt do it and they told me to get a police report and send. I did that and the email they gave me didnt work so I called again and spoke to XXXX who told me they dont need that and theres nothing they can do. That I need to talk to XXXX to get my money back. I closed my account with them I was so angry. The police couldnt beieive it. They are now requesting video.
Consumer complaint received 2019-01-18
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: CL Holdings LLC (FL)

I have attempted to correct this error on my XXXX XXXX XXXX account for over a year. I have paid all outstanding balance on this account but they refuse to remove this data off of my record. Two years ago, we had canceled the service and paid them in full. They still have on record that i owe {$100.00}, which is incorrect.
Consumer complaint received 2019-01-18
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: Rocket Mortgage, LLC (GA)

Ouicken Loans company employee created another application on me when I closed with the same company on XX/XX/XXXX and then on XX/XX/XXXX anew package was mailed to my home on XX/XX/XXXX. If this employee had ran my information should came up in the data that I close. This is the problem, this employee ran a credit report and used my SS number with authorization. I know under the Fair credit reporting act, Security freeze, Privacy Act, this Identity fraud. I did not communicate with the banker to have the second application done. The second issue was my property taxes taxes for the city of XXXX being listed on the closing cost details sheet at closing and include during closing and was not not paid at the time of closing. I received a check for {$750.00} in the mail in my name as a refund check. Why didn't they send it to the tax office. The company put it back on me. I reported the issue to several people, one tried to verbally bully me and I report it and receive a call and they apologize for the young man actions. XXXX XXXX investigated my issue and returned her finding and apologize all the company mistakes. We stated communicating by email so I would have a record, before that we talk verbally on the phone. She tried to be helpful and add the taxes to payment. which are in the email she sent me. Once I stated the company owe me for violated my right to privacy, civil right, anti-bullying me by employee verbally, things changed after I asked for a settlement of {$150000.00}, because I stated that according to the Gramm-Leach_Bliley Act, means misusing someone SS number is a security breach for the company and the Privacy Act of XXXX. XXXX email changed, she state that the company doesn't owe anything because they did not do anything, but my question is why did she apologize for all the mistakes and why she appeared to be sock about the issues and took a week to investigate the my concern, I called he twice and she apologize for the employee verbally bulling me and for the mistakes. I also talked XXXX XXXX and XXXX XXXX by email about the tax issues.
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: LendUp Loans LLC (KY)

Unauthorized credit inquiry on XXXX  credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX  data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX  credit report.
Consumer complaint received 2022-10-11
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 — Problem with personal statement of dispute
Company: ProCollect, Inc. (IN)

In XXXX of 2019, my wife and I purchased a new house. In order to get the mortgage, we had to settle our dispute with Pro Collect. We paid Pro Collect and submitted the letter showing payment in full to the lender. 

I also supplied that letter to all 3 credit bureaus, XXXX is the only one that hasnt removed it. All 3 Bureaus have removed it from my wifes credit and she supplied the same proof of payment My XXXX XXXX on XXXX is XXXX lower and no matter what I do, it never gets higher. 

I have written documentation I can provide showing payment in full of this debt.
Consumer complaint received 2019-01-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: IQOR US INC (MN)

I have just learned that XXXX sent my debt to an outside collection agency, which is weird as they normally collect from their own collection agency. I have not recived communication from them to my knowledge, but they have contacted my mother the co-signer. The school I went to was convicted of fraud and ordered to pay back {$500.00} million in student debt. XXXX XXXX XXXX, a part of XXXX XXXX XXXX. My debt qualifies for discharge according to the lawsuit and I believe this debt should be collected from XXXX XXXX XXXX and is no longer owed by me. I also believe XXXX sold my before 180 days. I did not stop paying XXXX, they stopped collecting and I was NEVER informed of any period of time the program ran for. I found out in a web search of another XXXX  borrower in the same program saying one was supposed to apply every year. XXXX had charged me for 3 years uninterrupted without mention of needing to renew yearly.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (LA)

Sychrony Bank - Over the past 18 months, I have made three payments : {$360.00} ( XX/XX/2020 ), {$200.00} and {$500.00} ( XX/XX/2020 ), on two separate accounts. Each time they posted the payments to someone else 's account entirely and did not credit my account. I paid the {$360.00} a second time and it posted correctly. The {$200.00} and {$500.00} ( both in XX/XX/2020 ) have never posted to my account and I was forced to make yet another payment. Because of Synchrony 's error, I am out {$1000.00}. When I called to remedy the error, I was on hold for over 45 minutes before the call disconnected. The owner of the account the payments was posted to also called, with no resolution. I have attached proof of my payments and proof of the account they were posted to. I do not know where the {$500.00} posted, but it has cleared my bank.
Consumer complaint received 2019-01-19
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: CITIBANK, N.A. (CA)

I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC (WI)

Certegy Payment Solutions had sent me my consumer file report and I have no negative information on file. This company is not letting me cash a refund check that I got from XXXX that is 100 % Valid, they even told me on the phone that i should be able to cash a check but it got denied and when i called them they said it can because " risk factor '' or the check is bad which isnt correct at all, I have attached file so you all can see the report from them i think they still have something in the background of their system thats not letting me cash checks.
Consumer complaint received 2019-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

Hello, My name is XXXX XXXX is live at XXXX XXXX XXXX XXXX, PA. Recently in the past 1.5 months I received a letter from XXXX XXXX that our home loan was sold to XXXX XXXX XXXX XXXX CA. The customer service number is XXXX and our new loan number is XXXX. I had trouble paying my XX/XX/2019 mortgage payment ( wanted to pay before the 10 of the month to avoid paying a late charge of {$120.00} ). I telephoned XXXX XXXX and they said to wait the mortgage was still in the process of being transferred. I paid my monthly mortgage XXXX at an interest of 7.1250 % ( robbery ) on XX/XX/XXXX. XXXX XXXX said they would waive the late charge. Today in the mail I received a bill for XXXX to be paid by XX/XX/2019. I believe this months mortgage was included in this fee. I paid my loan to XXXX every month was late in the past 18 yrs many times due to situations that were out of my control. XXXX  told me not to worry about the late fees until we sell our house. I believe the outstanding monies we owe to XXXX XXXX are due to late charges that we have already paid late fees in the past 18 years ; now I have to pay the late charges again? I don't have XXXX dollars. We live pay check to pay check and I just don't understand how this can be legal? I really need help with this matter. Please can someone help me. I'm scared I don't want to lose my home.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IN)

I have been in contact with Wells Fargo regarding my XXXX credit card incorrect information being reported to the credit bureaus. I had contacted them for the 7th time via phone this afternoon regarding inaccurate balance being reported with the credit bureaus a late fee of {$27.00} that was in accurately charge to my account and which I have never been late on any of the two payments that have only been made since acquiring my XXXX   credit card. I also have made two payments in the months of XXXX and XXXX and which XXXX  Wells Fargo shows payments in XXXX and XXXX which is an accurate report filed. Wells Fargo admitted it was a bank error and would submit a positive report so it may reflect positive changes with my FICO score since losing over 40 points due to the constant and accurate reporting by Wells Fargo regarding my XXXX  credit card.
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX, this collection agency sent me a letter or statement to my house. I called them yesterday I informed them that I resolved this several years ago but they dont give me a clear answer. 

XXXX XXXX, XXXX this collection agency I call Them yesterday. I let them know that I dont owed any rent in this Apartment Community this was resolved several years ago. But she dont want to listen to my explanation. All she said give me your credit card.