davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
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. (WA)

I applied for a Mortgage Loan on XXXX/XXXX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 XXXX XXXX XXXX XXXX loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If XXXX  XXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Consumer complaint received 2021-06-09
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. (TX)

Department of Education/XXXX  is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. Equifax and XXXX  are still reporting 13 accounts as of XX/XX/XXXX. XXXX has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (FL)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLANIT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2019-11-14
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. (GA)

Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (IL)

I am filing this complaint so that my XXXX Late payments from 2018 are removed and those are not mine. I have a pristine clean Credit Score and this is the only late payment ever reported which is not mine. I have had a conversation many times with XXXX, I have been with them for the past 5 years and have never missed a payment since everything is on Autopay. Back in 2018 I called them and confirmed over the phone the switching of the bank account and to move my auto pay to the new account. In XXXX they reported a 30 day late payment which is NOT mine, then after calling them they said they fill fix the error after me explaining that I have called and I have told them and it has been confirmed by them everything is in order for the autopay. Then XXXX goes good without problems and again in XXXX 30 day and XXXX 60 days late payment. I was frustrated and called them again and they said they will look into it and I should send a letter to their credit department. Never got any response back. I have tried multiple times to fix the issue but they dont seem to listen. So that is why I am filing this complaint and I am hoping you would be able to help me out
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXXXXXX is reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On XXXX and Equifax it has an open date of XX/XX/2019 and on XXXX its XX/XX/2019. It also shows a credit limit of XXXX on XXXX and XXXX but XXXX credit limit on Equifax. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.
Consumer complaint received 2018-02-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (DE)

I started a refinance/consolidation loan on XX/XX/2018, with Quicken Loans-Rocket Mortgage. The first loan representative, ( XXXX. ), told me I was approved from the very beginning of loan process. 
While completing the Title Search R.M. discovered a lien against my mortgage, which I was not aware of. From the advice of, ( XXXX. ), I followed up on this, received all the information and spoke with XXXX XXXX XXXX, Supervisor with XXXX XXXX, XXXX. I negotiated the amount of the pay off of this account from $ XXXX to {$13000.00}. Also, as requested a letter from XXXX XXXX, XXXX to Quicken Loans stating all the particulars of this agreement to remove the lien and agreed pay off amount was forwarded to Quicken Loans. 
***NOW I'M APPROVED! 
Several days later I received corresponded from another R.M. representative, XXXX, needing more documents from me, which I emailed right back in a timely manner. 
Several days later I received corresponded again from a third R.M. representative, XXXX, and she is stepping in for XXXX as she is our of the office. 
Several days later I received corresponded again from the 4th R.M. representative now taking over the loan process, who we'll name XXXX XXXX. 
I spent 3 weeks working with XXXX & XXXX ... complying with each and every request in a timely manner. 
My Point ... .I was Approved and then NOT APPROVED BACK AND FORTH 6 times. I even took cash I have set aside to pay 2 credit card balances down to {$10.00}, ( TO RAISE MY CREDIT SCORE UP ABOVE XXXX TO GET APPROVED AGAIN DURING RHIS WHOLE MISERABLE EXPERIENCE!!!

I WOULD NOT WISH THIS ON MY WORST ENEMY. PLEASE INVESTIGATE INTO THEIR PRACTICES ... ..
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (KY)

21st Mortgage out of TN On XXXX XXXX I made two separate payments, one for XXXX and second for XXXX. These payments were done electronically and posted on XX/XX/2021. Making these two payments brought our mortgage current. On XXXX XXXX we received notification we were in default. Called and spoke with agent and she stated we were not in default and then began to question why we made two consecutive payments and demanded we pay for XXXX which is not due until at least the XXXX. 
This is an ongoing issue with this company. Constant harassment and negative reporting to credit bureaus. They are constantly locking us out of the online payment portal. They have sent people to our house taking photos just in case we ever go into foreclosure. 
The mortgage co also has our mortgage listed as a mobile home which it is not. They refuse to correct it which we are unable to refinance because of that and negative credit reporting. They at one time also demanded my wife and I both have cell phones. They have also demanded on knowing where we were getting the funds to make our payments.
Consumer complaint received 2018-02-03
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. (AZ)

I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX  from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I opened up an account with venmo on XX/XX/2022 and had money transferred to my account the day I opened it and within 2 hours or so my account was temporarily frozen without any explanation as to why I talked to venmo on several occasions via email and phone yet I got no real answers so on XX/XX/XXXX I noticed some discrepancies on my account and pointed this out to venmo hoping this would resolve there original issue however it did not in fact it only made matters worse because even though ID been clearly hacked by some unknown person which at first venmo agreed with that as well suddenly though they decided that they didn't believe I was the rightful owner of my account and asked for a copy of my state ID and me taking a selfie holding my ID which I gladly did so on numerous occasions I even sent them a video of me holding my ID and my social security card and all 3 debit cards Ive got linked to my venmo account however I still got nothing back from them other then my ID was expired which it is not they said its in black and white which it clearly is not its in full color and they said its being obstructed visually in some way which it Wasnt whatsoever Ive sent them copies 9 seperate times both with just my ID and me holding my ID and yet they still haven t unfrozen my account and now have suspended it as well which took place on my XXXX 2022 and yet again told me nothing as to why my account is now not only temporarily frozen but suspended as well Ive gotten a few emails from venmo stating that they are very sorry about the delays but that I should just be patient and cooperate with the venmo specialists working on my case and that's basically all they ever say there's never any real communication between me and venmo 's specialists they literally are now just placating me and have no real intention of ever releasing my funds to me I believe and im now about to loose my home because the money that there holding was for my rent and since they have frozen/suspended my account I cant access my rightful funds to pay my back rent and am terrified that I may loose my home and will be XXXX  so please if someone could help me figure this out and talk with venmo on my behalf to get this resolved ASAP ID be so very grateful ... thank you
Consumer complaint received 2020-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

In early 2019 I refinanced my student loan with XXXX XXXX as I was returning full-time to school in XXXX. I was told by the banker at the XXXX, MA XXXX who processed my loans if I wanted to defer my payments I would be able to as XXXX was in the XXXX XXXX XXXX Federal Direct Loan Program as a Deferment Eligible Program. 

In XXXXXXXX 2019, I finally decided to use in-school deferment. I sent the form on XX/XX/2019 and was told I would receive a response in 3-5 business days. Not receiving a response, I called on XX/XX/XXXX and e-mailed again on XX/XX/XXXX as an upcoming payment was due. The teller told me they could change the date while the form was being processed but I needed to pay even though the form would be accepted. On XX/XX/XXXX I was told that the deferral had been denied. 

I called XXXX on XX/XX/XXXX and was told that they only accepted deferrals from XXXX XXXX schools. I have confirmed with the US Student Loan Ombudsman that the school I attend, XXXX XXXX XXXX XXXX XXXX is a XXXX  XXXX school ( OPE ID XXXX ) and processes deferment requests as per the government regulations. I have successfully deferred my payments with two other banks who use the same criteria. 

On XX/XX/XXXX, I followed up with XXXX and was advised that XXXX could not defer my student loans because they use the National Student Clearinghouse Database and my information was not up to date in this system. I reiterated that I sent their approved form back with the school seal and my information, but was told to call the National Student Clearinghouse. Which I did, and was told by their customer service that they are only one tool that certain schools use and that as long as I have an OPE ID number the bank should take it, as that's all they do. 

I called XXXX back and was told that everything was incorrect, they don't accept all XXXX  XXXX schools, only some. When I asked if they could elaborate on this policy, I was told that my deferment was already denied and there's nothing they could do. I am unsure what decisions are used on top of whether or not they are XXXX  XXXX, as this was the first time anything other than their compliancy was mentioned. It seems like no one has any answers and I have been advised poorly and differently each time I have called. This leads me to believe that no information I am given will be accurate.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I was marked a late payment by Hyundai Motor finance for mileage overage fees however i had an agreement with them for he remaining balance as I affected by XXXX XXXX. Under the Cares act they should not have reported this late payment since I was affected by a natural disaster.
Consumer complaint received 2018-02-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

Few months ago, consolidated all three of my student loan with Nelnet. Was advised by mail that my consolidation was approved and I have one student loan. Check my credit report and noticed two new Nelnet student loans instead of one. The two loans account number are ending in XXXX and XXXX. Received account statement from Nelnet and it states, that I have one student loan ending with account number XXXX with balance of {$23000.00} which is correct. Moreover, it is not reflected on my credit reports. Attached are documents.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (ME)

Discover card account in place since 2011 Account was closed without notification {$0.00} balance account with a {$3500.00} credit line Closure reduced my FICO score by 10 points When I contacted Discover they refused to reopen my account despite closure not being credit related, closure was due to not using the card This is a predatory practice as a natural result of reducing a consumers denominator in their debt usage ratio is reduction in FICO, which means long standing accounts with Customer-friendly rates and terms can be turned over and converted into newer less Customer-friendly accounts with higher rates and less benefits This is a violation of UDAAP due to its a usive effect on the Consumer
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (TX)

CARD.com lock my account, which prohibit my social security check to be return, the money I had in the account they won't release it back!!! My account was compromise XXXX XXXX weekend, I reported the issue, the revise the charges back to my accout, but because I have an change in address they locked the account and keeps asking for documentations, I sent it in and they still never sent my money back!! I need this money people are out here struggling
Consumer complaint received 2018-02-10
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (WI)

XX/XX/2018 WELLS FARGO BANK AUTO made a hard inquiry when I was looking for a pre-qaulifying loan. no credit report was send to me and I never actually finish the application and they still did a hard inquiry.
Consumer complaint received 2020-01-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: QuickClick Loans of Illinois, LLC (CA)

I was offered a settlement among via a mailed letter from Brookwood Loans. The settlement offer was for {$250.00} and had NO expiration date on the letter. When I called to make the {$250.00} payment, I was told that the offer had expired and that the new offer was double, {$500.00}. They refused to take my payment of {$250.00} and have not sent me any type of mail since but continue to report me as grossly delinquent to the credit bureaus. I want this resolved and removed from my credit.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

1. I'm a XXXX-year-old woman, do not have any properties or other assets except cash fund of around {$200000.00} which had been in my XXXX money market account since XXXX. 
2. In XX/XX/XXXX, I saw an online promotion by Citi Bank : Get {$700.00} bonus if open Citi Priority checking & saving account, deposit {$50000.00} New-to-Citibank Funds within 30 days of account opening, and maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. The details of this promotion is still online at " XXXX : XXXX? XXXX & XXXX '', I also have attached a Word document " Earn {$700.00} When You Open New Eligible Checking and Savings Accounts and Complete Required Activities.docx '' with the same information. 
3. On XXXX, I applied online for Citi Priority accounts, got approved and received new debit card and check book the following week. 
4. On XXXX, I online transferred {$100000.00} fund from my XXXX money market account to new Citi saving account XXXX. 
5. On around XXXX, my Citi new checking account was closed by Citibank WITHOUT my permission. My new saving account XXXX with balance {$100000.00} was frozen by CitiBank WITHOUT my permission. I could not access the fund after that. I called Citibank many times, was told their Fraud Prevention department is doing some investigation, will inform me in written within 30-60 days. 
6. On XXXX, I didn't hear from Citibank, so I called them and was told my saving account would be closed and the fund check would be mailed to me. 
7. Several days later I received the fund check of {$100000.00}, and deposited it to my XXXX money market account. 
8. On XX/XX/XXXX, I called CitiBank fraud prevention departed, asked why they hold the fund for so long. They said because they couldn't verify my application, no more details available. And the account is not eligible for promotion bonus.
Consumer complaint received 2018-02-10
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: U.S. BANCORP (CA)

The US Bank XXXX XXXX card promises 5 % cash back if you use the card to pay for your gym membership. I saw that my gym, XXXX XXXX, is specifically named as an example on the US Bank XXXX XXXX card website. That got me to sign up for the card and sign up for the 5 % deal. I noticed that I have not received the cash back as promised. When I called to complain, I was told that their system shows the charge as recreation and not as a gym, and there was nothing that could be done. And that I would have to get XXXX XXXX to change the way they charge their clients!? To my mind this is fraud - advertising that XXXX XXXX as an example of the gym that participates, but then not honoring that commitment.