davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CO)

I have been a customer of Citi bank for years, so I was very surprised when I received notice that my credit limit had been cut in half ; especially given I had never missed a payment with them. After calling the number provided, I was told that the reason for this was that another credit card I have from XXXX XXXX XXXX reported I had a late payment the previous month. So as any concerned responsible consumer I called XXXX to ascertain why this information had been reported ; after a week of back, an forth it was found that this reporting was done in error. So XXXX sent the paperwork to all XXXX bureaus to have this removed as of XX/XX/XXXX, but when I called Citi they said that they could not see this ; despite even being told I have a letter from XXXX that states it was an error, and the information was requested to be removed. I was then told by a supervisor that they would monitor/look for the update, and would then submit a reinstatement when they could see it. So this week, as of XX/XX/XXXX, I got the XXXX credit report ( which is what Citi stated is the only they use ), and found no erroneous data. In calling back to Citi they now are stating that they still can not reinstate my limits due to paid/closed accounts from XX/XX/XXXX ; which were there when they approved my card initially, and subsequently increased the limits in XX/XX/XXXX. I stated that made no sense, as they would have denied me the card initially, and definitely the increase last year. They stated that the department they work in did not make those decisions, and could not comment on why, and stated there was no one I could speak to further on the matter. I find this to be unacceptable, as this was all the result of a mistake not made by myself, nor had I any missed payments with them ; or any other company for that matter. This has caused a XXXX point drop in my credit score due to what the utilization now states, which gives that appearance that I am not a good risk/customer to do business with. I have listed my desired outcome below ; in the event this is not resolved I feel my only recourse is to seek out legal action against such business practices.
Consumer complaint received 2020-04-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Moneytree Inc (WA)

Hello, in the last four years. I have received numerous loan updates from several line company's..i think there a social security number issue. Please help me in this issue. Sincerely XXXX XXXX XXXX
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

lexisnexis wants new information I gave it to them I have never lived at XXXX XXXX XXXX XXXX the home during my investigation revealed that address belong to a XXXX an XXXX XXXX. This is the new information I have have them investigate ASAP
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (RI)

I was told by Navient that i was qualified to have some of my students loan debt forgiven after i was employed at the technical school for a period of 5 years. The the school i teach at qualifies because it serves the low income community. At my 5 year mark 2 years ago i sent in all the proper paperwork for my student loan forgiveness. Several months ago they called about my loans and said i was behind. I told them that i was told after i submitted the student loan forgiveness paperwork that i would be recontacted about the loan forgiveness and if there was a remaining balance then i would work out a new payment plan. I ended up taking another forbearance because they pushed me to take on to hold my loans from defaulting and still can tell me the status of my student loan forgiveness. They now tell me they don't know where my paperwork is for forgiveness or the status of my loan forgiveness because its done by a third party. they also can not tell me what third party may have my paperwork or even if it is lost. I am willing to resend it. I have lost trust in this Navient company all they seem to want to do is give me a forbearance or hardship they don't want to work with me to help me find out the status of my forgiveness.
Consumer complaint received 2017-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

My student loans ' deferment was ending in XX/XX/XXXX and so in XX/XX/XXXX I paid off the accrued interest so it would n't capitalize. FedLoan Servicing first mistakenly applied the entire payment to one loan instead of all interest across all loans. It took 2 months and several phone calls to get the payment applied correctly retroactively. Several people told me they 'd would fix it but either nothing changed. Once that situation was resolved in noticed my repayment terms were not recalculated. It took countless calls before a customer service rep finally understood what I was talking about. I do not feel like many reps are qualified to discuss loans. After that call my repayment was recalculated but the monthly bill was still incorrect. In my subsequent conversations I have simply been asking for a repayment schedule but all they can provide me is the repayment terms ( which takes XXXX business days for some reason ). The problem with the terms is the terms never reconcile to the monthly payment. The outstanding loan amount, interest rate, and repayment length always equal a different min payment than on the same summary. Some are too high, some are too low. I feel like I can never talk to someone who knows what they are talking about.
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (NE)

Agency contacted me to get a hold of my sister. Phone # they called from was XXXX, or AFNI. My voicemail clearly states my name and not my sister 's name. Regardless, the agency left me a voicemail stating they were looking for my sister and then proceeded to say " This is a call from a Debt Collector ''. I have read and studied the FDCPA and I am pretty sure this is a violation of the Act. They have her phone #, which is in service. Her mailing address and all identifying info is up-to-date. There would have been no reason to contact me, let alone, to state that they were collecting a debt. It serves no purpose. I will be contacting my attorney with regards to this matter. I have not deleted the voicemail. The company needs to be held responsible for the collector 's training and negligence. If they did this to my sister, then they are doing it to everyone else.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (DE)

XXXX XXXX receiving payments from XX/XX/XXXX to XX/XX/XXXX.and refuse to tell the consumer me and my spouse who made and authorized the payments made.THIS IS FRAUGHT AGAINST THE CONSUMER .ALSO .XXXX XXXX. on foreclose account XXXX XXXX sold at Sheriff 's Sale for {$100.00} from CitiMortgage to CitiMortgage, and evicted me and my spouse, THEY are now reporting this account as open 1 month late on our credit reports.This account is no longer our responsibility, and we have not be compensated for our $ XXXX XXXX send the payment history for the account # XXXX that they lied and said they provided in their response date XX/XX/XXXX stating that no record of payment of receiving payments from XX/XX/XXXX to XX/XX/XXXX. 
WARRANTY DEED TO OUR LAND..Also this account went into default LAST PAYMENT MADE over 7 years ago evidenced by attached statement of reasoning by Judge XXXX XXXX XXXX filed XX/XX/XXXX with the courts, and should be deleted from our credit reports permanently.
Consumer complaint received 2019-10-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX, XXXX filed a claim against my spouse & Myself on XX/XX/XXXX without the proper authority or standing. XXXX XXXX has stated that XXXX XXXX   is the owner of the mortgage and the note. XXXX XXXX, XXXX has filed misleading and falsified documents in the land records of XXXX County Florida. XXXX did not pay value for the mortgage or the note and is not the owner of the debt and did not have the authority to bring suit against us.Defendants challenge the assignments based on the following information : There is an assignment from party A ( XXXX XXXX ) to party B ( XXXX XXXX XXXX XXXX , XXXX ) and this assignment was recorded in the XXXX County land records XX/XX/XXXX. This would have established ownership was transferred from Party A, XXXX XXXX , XXXX to Party B, XXXX XXXX XXXX XXXX , XXXX On the same day Party B ( XXXX XXXX XXXX XXXX , XXXX ) executed an assignment to Party C ( XXXX XXXX XXXX XXXX ), which was not recorded but was executed and contains the Corporate seal, two witness signatures and a notary stamp. This would establish ownership transfer from party B, XXXX XXXX XXXX XXXX , XXXX to XXXX XXXX, XXXX   XXXX XXXX XXXX. On XX/XX/XXXX, an assignment of mortgage was recorded in the XXXX County land records by Party F, XXXX XXXX XXXX ( who had no legal ownership or right to record the assignment, as Party F was not the owner of the mortgage ) showing an assignment of mortgage from Party D, XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX XXXX XXXX to Party E, which was allegedly executed XX/XX/XXXX. Party B, also known as party D gave up the legal ownership of the mortgage when party B executed an assignment of mortgage to Party C in XX/XX/XXXX. In XX/XX/XXXX, when XXXX XXXX, XXXX brought claim against the defendants, Party E a/k/a XXXX XXXX XXXX XXXX , XXXX allegedly recorded an assignment from Party E, XXXX XXXX XXXX XXXX , XXXX to Party H, XXXX XXXX, XXXX. Party E, XXXX   XXXX XXXX XXXX , XXXX can not legally record an assignment of mortgage, as neither party E or B or C owned the mortgage at the time of execution and recordation of ANY assignment. XXXX XXXX is party G, who XXXX XXXX, XXXX claims is the owner of the loan. XXXX XXXX, party G, is not on any assignment or recorded document. 
The original mortgage is from XX/XX/XXXX. The original mortgage amount was for {$40000.00}. XXXX XXXX, XXXX has kept me in court for 3 years and ran up {$30000.00} in attorney fees for a {$19000.00} principal balance. XXXX XXXX forced the sale of my home and won with a " credit bid ''. This is fraud and theft and unjust enrichment. XXXX XXXX, XXXX holds no equity in the XX/XX/XXXX mortgage or note. If XXXX XXXX owns the mortgage and the note, why was the certificate of sale issued in XXXX XXXX, XXXX name? XXXX XXXX, XXXX d/b/a XXXX XXXX is a thief and a fraudster.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (NV)

Carmax Auto Finance # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.
Consumer complaint received 2017-08-23
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: ALLY FINANCIAL INC. (IL)

In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with Ally Financial ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with Ally Financial and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found Ally fiinanical reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to Ally Financial disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with Ally Financial. I do n't know what else I can do, Please Help
Consumer complaint received 2017-10-16
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)

I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (TX)

A settlement was made to HUNTER WARFIELD for XXXX   XXXX apartment account ... the account was paid off on XX/XX/2019. It is still showing as open and needing attention.. I need the company to report the account as a settlement and paid off or closed due to settlement paid in full.
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

EverBank informed us that there was a lapse in our hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. We were never notified and evidently neither were they. The bank just recently informed us. We immediately got new insurance,. The bank says, '' An insurance charge of {$1200.00} may be charged to your account for the period of time that the coverage was in force. In order to avoid this charge or have it reversed from your account, please provide us with evidence of insurance for this lapse period. '' My question, since this is an escrow account and we provided money to pay the insurance, and they did not provided forced insurance for that period, why are they entitled to keep the money that we provided for the hazard insurance? Is this legal? 
By the way, we were not informed by the insurance company that they canceled our account. 
Thank you
Consumer complaint received 2020-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed XXXX XXXX XXXX. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

There is a state of Georgia tax lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Georgia state tax lien release forms ( which I also have attached here for your review ). I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRA 's ( XXXX & XXXX XXXX ) removed the lien from my credit report immediately
Consumer complaint received 2022-08-04
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. (CA)

I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX  reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unlimited Progress Corp (TX)

In reviewing my credit reports, I found 19 collection accounts listed on my reports, all from a company called Creditor 's Discount and Aud. I have never received any notification or communications from this company. I also confirmed that this company does not have a Texas surety bond. I recognize the original creditor that is listed for 18 of these accounts as a doctor 's office where I was briefly treated in XX/XX/XXXX. My total bill for my brief treatment ( 3 office visits ) was around {$3000.00}. I entered an auto draft payment plan and paid that bill down in XX/XX/XXXX. Now, this collection agency, Creditor 's Discount, has listed 18 new collection accounts on my credit reports as of XX/XX/XXXX for a total of {$7000.00}. Again, I have never been notified of these accounts or my right to dispute them, they just showed up on my credit reports. There are two accounts for {$2000.00}, two accounts for {$130.00}, eleven accounts for {$140.00}, two accounts for {$430.00}, and two accounts for {$200.00}, all from one doctor 's office. These accounts are obviously duplicated and inaccurate. There is also one account for {$500.00} from a dentist office, that I am not aware of. I spoke with a representative at Creditor 's Discount to gain more clarification on this situation and she stated that they can not mail me anything or call me because I live in Texas and they are not allowed to collect in Texas, as there are only a few states where they are allowed to collect. I mailed a debt validation request, but will not receive a reply, because Creditor 's Discount can not mail me anything per their representative.
Consumer complaint received 2020-10-06
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 — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (OH)

I was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed FORD MOTOR COM. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.