davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I am a homeowner in California with an XXXX XXXX XXXX. During the Covid-19 pandemic, due to a hardship from COVID-19, I entered into a Covid-19 hardship forbearance plan with my servicer # # # Mortgage from XXXX through XXXX. Just prior to the completion of the Forbearance plan, I applied for, and was approved and offered a loan modification from # # # Mortgage on XXXX. However, there was a big problem with the modification as it was presented to me. It stated that I was denied the Owner-Occupant XXXX XXXX XXXX  XXXX  due to the fact that PHH could not achieve a minimum 25 % principal and interest payment reduction as required by investor guidelines. It also stated that I was denied the Covid-19 Standalone Partial Claim due to # # # Mortgage being unable to Verify that I live in the property as my primary address. Lastly, I was denied the XXXX XXXX XXXX, as # # # Mortgage could also not verify that I live in the property as my primary address. The only Modification I was approved for and offered was the Covid-19 Non- Occupant Loan Modification. I however, immediately contacted # # # Mortgage and informed them that I did indeed live in and have lived in the property as my primary residence since purchasing the home in XXXX of XXXX. I informed them that they made an error in presenting me the XXXX XXXX XXXX and I was told upon several instances that the corrected Loan Modification would be presented to me. In fact on XX/XX/XXXX, I and an XXXX  counseling agent called on a conference call to formally explain the error. However, as of this date of XX/XX/XXXX, all I have received from # # # Mortgage have been stalling tactics via letters and phone calls that have not led to correcting the error. In fact now I have received a formal denial letter stating that I did not return the required documents in a timely manner. The letter states that my only option available now to stave off a foreclosure is a Short- Sale or Deed in Lieu. Please help me get this matter corrected and stop # # # Mortgage from taking my home by using these erroneous and aggregius tactics of falsely and possibly illegally denying my rights to a proper XXXX XXXX XXXX XXXX XXXX XXXX  offer. Thank You.
Consumer complaint received 2017-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I arrived at TD Bank on X/XX/2017 at around XXXX XXXX I asked to make a transfer of funds to my account in XXXX. XXXX the banker told me she will not help me since I am XXXX and a XXXX XXXX I will not help you. She told me that she also hates the State of XXXX, and all XXXX should be put into a XXXX XXXX or an XXXX. She told me we need to make a finale solution to all the XXXX.
I mentioned this to her manager that she was not willing to do a transaction for me since I was XXXX XXXX started laughing at me. I almost wanted to cry that this is how I 've been treated as a TD customer. I filled many compliments already with the CFPB and the CFPB has ignored the fact that as a XXXX I have been discriminated against on the basis of my religion ( XXXX ) and national Origin ( XXXX ).
All I asked was to do a transfer of funds from my account in the US to XXXX and they would not allow me to do the transaction.
Consumer complaint received 2017-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

On X/XX/2017 I called NFCU to let them know I wanted to dispute a charge from a company that I just had repaired work done to. NFCU, stated that it would take up to 10 business days to receive a provisional credit. NFCU has been negligent in responding to my claim and has failed to contact me regarding any steps in this process.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Loan Number Nothing has been reported to the credit Bureaus we have asked them repeatedly to please report our credit history. Any help would be greatly appreciated. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Dear Rushmore, We are contacting you to ask for you to report our credit information to the Credit Bureau 's? Our Bankruptcy attorney informed us that you never filed a re-affirmation agreement and that you are legally required to do so. We ask that you promptly provide the information to the credit agencies. This was 12 years ago we have been making payments for all this time and it was included in the bankruptcy. We would appreciate your prompt attention to this matter. Thank you, XXXX & XXXX XXXX
Consumer complaint received 2021-02-25
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: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and TD Bank USA/Targetcred. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (MI)

I believe some has been using my information I have no affiliation with XXXX XXXX XXXX XXXX I would like this collection account immediately removed from my profile if someone believes im wrong please provide me with the original documents I gave signed
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (CA)

The XXXX XXXX police credit unon has been changed, new name, also updated website, and uses robo calls with no live operator after choosing to speak to live person to make payment. online was down. i disuputed and experian took their side, without even looking at their website to see info has changed. for a small mount of less than {$80.00} they have put incorrect late mark on credit and will not fix it. i provided proof. this is predatory lending practices. i have a paid experian monitoring and they don't help by removing this at all. i provided all the reasons.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

My student loan is serviced by Mohela. My acccount has been in good standing with my payments made timely. In XXXX I received the communication from Mohela that my loan is now paid in full. I am told that within 3 months this change in amount owed would have been communicated to the 3 credit reporting services. I keep checking and the amount is still reported to the credit report services even at this date, XX/XX/2024. The balance, which still appears on my credit report, negatively affects my credit score and so I would like to know how soon Mohela will report the updated information so that my credit report can accurately reflect the true picture.
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (PA)

I XXXX XXXX made MANY calls to this collection agency in regards to their business being placed on my credit report ... I was directed to their website to make payments in which I have done just as I was told.. as per request I asked to speak to a member of management in regards to the fact that I C System still to this day is currently on my Credit report and all FOR THE LAST PAST 2 MONTHS ... I 've been told JUST ABOUT ANY THING JUST TO GET ME OFF THE CALL AS I REQUESTED FOR A MEMBER OF MANAGEMENT FOR HELP ..., AS I 'VE BEEN PROMISED I C System sent notification to ALL 3 Major Credit Reporting Bureaus to update their systems via account PAID / PAYMENTS .. I was also promised to receive a copy of the notice via regular mail / fax / email.. THE EMAIL THAT WAS SENT WAS BLANK!!! as to this day I have not receive ANY notices and the fact I made very clear to TEAM LEADER ( XXXX ) ID # XXXX .. I. C SYSTEM INBOUND CALL REPS ARE RUDE AND VERY DISRESPECTFUL.. I REALLY WANT I. C. SYSTEM OFF MY CREDIT REPORT ASAP AS TO THEY HAVE SENT THIS ACCOUNT BACK TO ATT/DIRECT TV.. WHOM I AM FOLLOW UP WITH AS OF XXXX I ( XXXX ) SPOKE w/ ( XXXX ) ID # XXXX XXXX/ XXXX XXXX BILL Location XXXX XXXX XXXX Name/Serial # ( XXXX ) *** dcd : XX/XX/XXXX / Service : XXXX ... I. C SYTEEM IS CURRENTLY STILL ON MY CREDIT REPORT AND IS NO LONGER COLLECTING ON THIS ACCOUNT FOR ATT/DIRECT TV.. THE TEAM LEADER PROMISED THAT HE WOULD FAX ME PROOF THE COMPANY REQUEST THIER COLLECTIONS TO BE REMOVED FROM REPORTING 3 MAJOR CREIDT REPORTING BUREAUS WHICH I 'VE NOT RECIEVED PROOF OF STILL TO THIS DAY.. I. C SYSTEM REFRENCE # XXXX Full amount {$320.00}
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (IA)

Credit karma closed my spending account without notifying me and I still had money in my account. I used it most of the day and then suddenly it said account closed and I couldn't use my debit card. I reached out via chat ( saved the correspondence ) and was told that some users were experiencing account problems but they would be resolved and that if I had money in my account a check would be sent. I asked when and they didn't know. I waited a few days ( hoping the problem would be resolved ) and chatted again and this time was told they can close accounts whenever they want and I should have received an email as to why. I told them I didn't and they said my money would be transferred to the bank on file or a check would be sent. They would not give me any reason why it was suddenly closed or when I would get my money. I've had this account for over a year. My tax refund also goes to this account so now I'll have to wait even longer because they closed my account and hope they send back my refund to the IRS so they can send me a check. I don't understand why no one can tell me why and why it was so suddenly when I used it that day and cant tell me when ill get my money. Seems like bad business practice to me!
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Hello, This is second complaint to the same issue as Wells Fargo closed time my complaint and now closed down my account without returning the funds to the original sender. Wells Fargo claimed that all 8 transactions my mother XXXX XXXX sent me from XXXX XXXX XXXX XXXX  ) were sent with receiver as XXXX XXXX? So my mother basically sent herself money to my account? Wells Fargo refused to give me my money and so we started the process of returning the funds. XXXX recalled all 8 transactions, my mother even paid extra XXXX EUROS per recalled transaction and Wells Fargo managed to return only 7 of them. I called pretty much every day to make sure Wells Fargo doesnt close the account until all the funds were transferred and they still did. I asked for extension and got denied last time? Why? Why didnt Wells Fargo just extend the closing date? To make sure all the funds were returned.
Consumer complaint received 2023-03-30
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. (FL)

did not authorize or do any of these hard inquiries on my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: College Loan Corporation (TX)

I was called at my workplace and my cell phone numerous times by XXXX XXXX XXXX. They told me I co signed on this private student loan that was now in default because the primary person who took the loan did not pay. They told me this would negatively affect my credit because I was the co signer. They offered a settlement which I could not pay. We agreed to {$50.00} bi weekly ( $ 100 monthly ) to pay down this amount owed which I have been paying since XX/XX/XXXX. 
On XX/XX/XXXX I asked for verification on how much I have since paid and how much was left on the balance. On the XXXX, I asked them to send me proof I was the co signer which I do not believe at this point I am. The woman on the phone agreed to send. I then called back asking to cancel the ACH payments in the meantime until I had received the proof I was the co signer. They then told me I could not get the proof I was the co signer if I cancelled the payments. 
I would like either proof I am the co signer on this account or the {$2600.00} back that I have paid on this debt that was not mine due to the misrepresentation of this debt collector agency. 

I am attaching the letter sent to me that shows the original consumer 's name and not mine.
Consumer complaint received 2017-08-13
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. (KS)

XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down 57 points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from XXXX XXXX. I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from. I have had nothing but in Going issues with XXXX XXXX  From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XX/XX/2017. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to XXXX XXXX corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the XXXX office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I had a balance of {$1000.00} one month and paid $ 40+ interst the next month. THEN I was charged another {$54.00} the following month. When I first questioned this the woman told me she would see about getting the second charged removed. When that didn't happen, I paid my next statement less the {$54.00}. Because I did that, Chase charged interest on NOT JUST the {$54.00} but on all NEW PURCHASES I made after that date. 

I finally went into a Chase bank Friday and was told that Chase CAN charge interest on ALL NEW PURCHASES for the month and NOT just the amount that was unpaid. IS THIS TRUE? For a {$54.00} questionable charge, the bank can then charge interest on ALL NEW PURCHASES? This amounts to at least {$50.00} a month in interst because that card for my business as well as personal.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down 57 points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from auto now. I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from. I have had nothing but in Going issues with XXXX XXXX  From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XX/XX/2017. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to auto now corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the independence office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

around XXXX/XXXX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to XXXX as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in XXXX as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.
Consumer complaint received 2015-09-28
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (LA)

Before retiring from my Federal Job I neglected to change my email address so that I could update my XXXX account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my XXXX Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. XXXX times more than what the original loan payment was.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I had a vehicle that I had voluntarily repossessed in XXXX from Credit Acceptance Corporation because I fell on hard times and could not pay for the vehicle. Fast forward to today and I am trying to get a small home loan for like {$75000.00} and that is the only thing on my report preventing us from getting a home loan. This debt is being improperly reported as late payments instead of a charge-off which is how it is supposed to be reported. Please help, as in getting a home loan, it will help me get a lower monthly payment for living and then I can pay off more debts owed with the extra money I will be saving on rent vs. owning.

This is the information of that account : Account No. : XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Thank you.