davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
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: ACS Education Services (NY)

This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted ACS/ XXXX/ Conduent regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. ACS/ XXXX/ Conduent told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Upstart Holdings, Inc. (AZ)

XXXX around XXXX Arizona pst time XXXX loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX my time! But they always do! I have The screen shots of missed calls to prove it.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Greetings I contacted the Hunter Warfield on XX/XX/XXXXin an attempt to just settle it quickly because I was attempting to buy a car and was made aware that there was a collection placed on my credit report that I had no knowledge of. The dealership told me that they may allow me to just pay a portion to get it removed quickly to proceed with the car buying process. That was not the case as they did not respond. 

On XXXX I requested a validation of the debt because I 1. Never received a bill stating that I owed anything from my former apartment. My keys were turned in at their request and we were moved out on time without any charges accessed. 2. I did not understand how they could place an unknown debt on my credit report without notifying me. 

On XX/XX/XXXX I received a letter stating they did not have that information available to verify the debt and they needed more time. I have disputed it through XXXX and they responded by saying they have the right to collect. 

No one is telling me why i never received a bill, what exactly I am being charged for, and how it is allowed to remain on my credit report even though they do not have the information available to verify what I owe and why.
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Equifax and XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2017-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

I contacted Nelnet on XX/XX/XXXX to start setting up a repayment plan. The loan advisor set me up with a pay as you earn payment plan and helped me set up my automatic payments of $ XXXX month. In XXXX my payment never went through. I contacted the company which then told me that none of that had actually occurred and their record only shows a note stating that I had asked for a " Forbearance. '' It was discovered that the loan advisor that I spoke with stole my information and used my identity to set up payments that were taken out of my account and given to a fraudulent company. I no longer feel like I can trust their company since they did n't even know that one of their employees was committing fraud. I also want the {$690.00} that was stolen from me given back. I have pulled my phone records and bank statements. My bank, XXXX XXXX, is also not helping me in any way. I have contacted the bank several times and I have contacted Nelnet a couple times including todayXX/XX/XXXX. My money was being sent to " XXXX. ''
Consumer complaint received 2020-01-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I own a joint savings account with my teenage sister with the intended reason of giving the funds to her once she went to college. However, we relocated from California to  XXXX, in which, to our dismay, we discovered there are no Citibanks. Since moving, I have tried contacting Citibank multiple times in order to have my account closed and the funds sent to my new address. Because there are no Citibanks in California, I have had to do all of this via mail, based on the information I have obtained from them over the phone. 
This issue with Citibank has been ocurring since approximately XX/XX/2019. We had not used the account for some time, therefore, the first step they had me do was reactivate the account, which I did. After that, I followed up with them and the account had in fact been reactivated. Then, they had me send a letter to Citibank in order to close my account, which I did. I was sent a letter back saying they required of me the account number, which I did not have on hand. However, based on my phone call prior to send that original letter, the employee over the phone told me it would suffice if I sent them the social security numbers of the owners of the account, which I did. I was perplexed when I received the letter from Citibank stating that they could not close the account. 
I called Citibank again, this time the first employee told me I had to have the letter notarized, something they had not told me before. I was so profoundly upset, I then asked to speak to the supervisor, who then told me that this information was not true and I did not need to ahve the letter notarized. Luckily, during this time period I was able to locate a statement I had amongst my papers. I was so grateful at this moment. I went ahead and wrote another letter including the account number, and also had the letter notarized. I received another letter saying that the account had been closed! I never did receive a check. It is important to note that I did have my address changed with them as well, so I was expecting to receive a check in the mail. To this day, I have not received the {$490.00}. It may not seem like much, but they are funds we have worked for to put aside for my XXXX-year-old sister and I expect them to be returned to us, as it is our money. I have made phone calls and sent letters but I have not been helped as expected. The information I have received has been inconsistent, making me provide personal information only to not have been my request resolved. I understand that my information needs to be verified, which I have done. I ask that you please help us with this matter. Thank you.
Consumer complaint received 2017-12-01
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: Blitt and Gaines, P.C. (IL)

In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for 3 more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (CA)

Hi, associate. : My name is XXXX XXXX..l am filing a complaint. My checking was reported fraud activity on XX/XX/2020. Somebody used my checking to make a payment of {$96.00} at XXXX on XX/XX/2020.I login my account and found out the {$96.00} was still pending. So l called the bank to stop payment.And after this, there was a huge amount of moneytransfer from my account through electronic and other check ( {$190.00} ) was pending..
Consumer complaint received 2020-05-06
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 (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2019-08-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STIFEL FINANCIAL CORP. (MO)

When applying for a loan, the first appraisal was too low so the loan officer, XXXX XXXX, XXXX, shopped the appraisal and it came back at exactly what was needed to secure the loan, unsurprisingly. When rates dropped nationally, after the fed cut rates and reporting on national trends dropping material amounts, even though we had been assured a floating rate lock securing us against rate drops prior to closing, infact it had once dropped during the process. The company refused to honor their commitment to that as it was just a lie by XXXX as it turns out, and then the same salesman, XXXX XXXX called me unethical and hung up on the phone call, refusing to discuss when I brought the issues up prior to closing.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MD)

Discover Card XX/XX/XXXX & XX/XX/XXXX When attempting to make a greater than minimum payment on my account, Discover stated that if I paid greater than the minimum payment that my ENTIRE BALANCE would become due. 
I contacted Discover and have their reply that " We are not seeing this error. '' I have screen shots that prove this. I had previously contacted them ( prior to XX/XX/XXXX )  and this has not yet been resolved. 
I again today attempted to make a payment and received the same notification. 
This alarms me that they will ONLY accept a minimum payment and not allow me to pay off my account faster. 
Additionally, if a customer missed the statement that their entire balance is due they could face undue financial distress should Discover automatically withdraw the 'Balance Due '.
Consumer complaint received 2018-03-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC (FL)

To whom this may concern, XX/XX/XXXX Apparently, there is a fraudulent account in my name with my social security number and current home address attached. A judgment in the amount of {$53000.00} has been created against me because of this fraudulent account not being paid ; because of this judgment against me, I am unable to sell my home without paying the lien and move on with my life. According to the credit application, this account was opened XX/XX/XXXX. The company that has placed this lien against me is called Ditech Financial LLC. A couple of months ago I contacted someone by the name of XXXX from Ditech and informed him of my situation, and he made me aware that I needed to dispute the charges. I was also made aware that an investigation would take place soon thereafter. The process of the dispute had me to manually fill out paperwork before a notary and initiate a police report. There were no issues with this process especially since the original paperwork was done manually. The attached paperwork contains the original installment contract, credit application, the title, the dispute denial, and the dispute paperwork which contains my writing. Accordingly, I felt like whoever could clearly see the differences in handwriting since I was able to see the original installment contract that they had on file. So now I am at the point of feeling like I am getting the run around because its getting harder to speak to anyone about this and recently they have stated that my claim has been denied. This is difficult to accept because the handwriting on the application is not mine, and the credit application signature block stated signature on file. To me, this means they did not even sign the credit application! This account was fraudulently created because I was never or had any understanding of the signing process. Therefore, any signature on any of the attached paperwork for credit is not mine and I am without a doubt disputing.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

Today banks and credit card companies have disproportionate advantages and monopoly on transactions. 

Citigroup is using that monopoly to punish lawful merchants of firearms. This abuse sets a dangerous precedent of companies that are gate keepers for a consumers money and is extremely harmful. Today it is firearms but this is possible with anything a credit card processor may agree or disagree with.

Citigroup should also be punished for the age discrimination they are attempting to impart on the merchants in question. 

I would like to know how Citigroup is going to remedy this situation and what the next steps are from a corporate governance perspective. Specifically Id like Citigroup to define how their bank will or will not interfer with lawful transactions going forward.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I had called Citibank to cancel the Payment Safeguard feature which was added onto my account without consent. I'm getting charged a lot of money each month to have this feature that I do not need. There was a refund nationwide/worldwide for {$700.00} XXXX that I received no part of. I'm very disappointed that I've been paying for this feature for over 8 years now without any consent of mine whatsoever. I feel like I should be compensated for this malpractice.
Consumer complaint received 2017-12-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I called Equifax to inquire about how long it takes for my bankruptcy to come off my credit report. I read online that its 10 years from the filing date. my discharge was in XXXX of XXXX, which means filing date was 2 years before that. the person I spoke to informed me that it was 10 years from my discharge. I was ok with that and she asked me if I wanted to dispute it. I told her no, because I did n't want it to effect my credit. I disputed something on my credit with XXXX about 6 months ago through XXXX XXXX  about a debt from XXXX and they declined my dispute and dropped my XXXX credit score by 50 points, so I was concerned about that happening again. I have no debt or any payments to be late on my credit report. I had a hard inquiry on my credit report about a year ago, so my Equifax score has been a XXXX for a long time now. After the inquiry from Equifax a week ago they dropped my score 55 points to a XXXX credit is very important in life now. I 'm a XXXX XXXX and see these kind of things every day. can you please look into this matter for me, because I 'm scared to call them back about it and they will drop my score another 50 points, I do n't know what to at this point. PLEASE HELP!!!! I will attach screen shots from my phone. I have my credit score from before the phone call and after. I also have screen shots from when I called them and when they called me back.
Consumer complaint received 2017-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (GA)

I had no knowledge of this debt until I tried to get a copy of my transcript. It was not on my credit report, and it was months before they could even locate my information to tell me a balance. I called the finance office at XXXX and all they could tell me was I had a balance but had no knowledge of an amount in their system. They told me to contact the listed collection agency, and when I called the collection agency repeatedly they also had no knowledge of this debt nor my information in their system. No one could tell me anything. Weeks later the collection agency called and just gave me a balance with no explanation and a week after that it appeared on my credit report.
Consumer complaint received 2018-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

To Whom It May Concern : We are the borrowers on the above-referenced loan. As a result of deteriorating economic conditions due to our XXXX condition, as you maybe aware I m stage XXXX XXXX failure that requires XXXX to remain in life and my wife is XXXX due to XXXX XXXX XXXX called XXXX 's XXXX - an inherited XXXX that causes progressive damage to the XXXX XXXX resulting in symptoms ranging from XXXX XXXX and XXXX   problems to XXXX XXXX ( Please refer to attachment ), weve been forced to dramatically alter our plans to avoid financial catastrophe. Accordingly, we previously requested from Chase bank a loan modification to lower our monthly payments and more accurately reflect the actual value of our home. At that time, well be able to afford payments and will no longer be a homeless parent with 4 minors. Nevertheless we were met with negligence and letter of 30 days notice to foreclose. 

Weve also spoken with several realtors who conducted research to determine the value of our home. Unfortunately, weve confirmed that our mortgage is significantly underwater and amount of the underlying loan is much more than we could ever sell our home for. 

In fact our loan is so far underwater which it will likely be years before it regains its prior value, After evaluating all of our foreclosure alternatives, weve concluded that due and our XXXX and health condition which is a huge burden, the only way to salvage and protect our only residence is through a loan modification. This option allows us to stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit. 

Based on the underwater status of our mortgage, and our incompetency of affordability and our sever XXXX, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal and will be highly appreciated. 

As you know, time is of the essence so please contact me as soon as possible to discuss available options and of course let us know if you need any additional information. 
Thanks in advance for your anticipated cooperation. 
I contactcted the bank many times to help with loan modification untill this date no help, please i am asking for help i do not want to be in the street with my chlidrens Sincerely,
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

This was for a rental modem by XXXX XXXX XXXX. When leaving the landlords we called XXXX XXXX XXXX and worked it out to transfer the rental modem onto his account so he could continue Internet use there at his rental. XXXX XXXX XXXX helped us do this. Then a month later XXXX XXXX XXXX called asking for us to return the modem or we would be billed. I explained that we transferred the modem over to landlords account to keep services at the property. XXXX XXXX XXXX looked into it and said that it was ok no issue now. Over a year later XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX shows up on my credit report dropping my score over 40 points with a claim for XXXX XXXX XXXX for {$110.00} saying we never returned the modem. They are tanking my credit score and need to be held accountable for their error.