davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (IN)

Contacted Equifax because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. 

Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. 

XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating letter
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

We have mortgage with the M & T Bank for our property located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We paid {$150.00} more with our XX/XX/XXXX mortgage payment for the shortage in the Escrow account. My wife called M & T Bank and asked them to deposit this additional amount of {$150.00} to the Escrow account. But they did not deposit this amount in the Escrow account.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against JEFFERSON CAPITAL
Consumer complaint received 2017-10-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have had this loan through XXXX XXXX since XXXX and it is estimated that my loan will be paid off in XXXX. I went to school for XXXX and my loan was for {$17000.00}. My interest on this loan is 7.25 %. I have never missed a payment and the amount barely goes down. They also charge late fees every month! I write a check and I do not do autopay so I can show that I am never late. Plus who charges late fees even if you are late a day or two? Anytime I call them it is the worst experience, they never have answers. I just do not understand why they do n't work with me since I have been loyal to my payments and I have n't defaulted in all these years. My taxable income last year was {$15000.00}, it is very hard to keep these payments.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

To Whom it may concern, This is a complaint against Citibank for failing to properly investigate the disputes on my account ending in XXXX. 
The organization did not properly investigate the issue and made the decision to close my account due to one or more returned payments in the past six months. The payment they were referring to was in the amount of {$3400.00} made on XX/XX/XXXX Pay by phone ACH from a XXXX XXXX XXXX Account. I never made this payment and don't own a XXXX  checking account. O called Citibank numerous times and they failed to take any action- instead I was transferred from one department to another speaking with several agents that were not in the position to assist. This was a fraudulent transaction which was later removed. In XX/XX/XXXX I've sent a letter to dispute their decision and I didn't receive any response. Subsequently, I send an email with the documentation on XX/XX/XXXX to XXXX, ATTN. XXXX XXXX, dispute analyst. 
Please see more details attached.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

Filing an Official Complaint Against I.C. System, Inc, account # XXXX I would like to file this complaint against due to the following : 1. XXXX, I established an account with XXXX XXXX company. I received an Agreement with no beginning or expiration date after I was told the contract would expire one year after the date of the agreement. 2. I met the verbal agreement. . 4. At the end of the one year, I returned all equipment at the local XXXX XXXX Office and asked the representative to note that I had returned the equipment and to close this account ; yet I was told the account could not be closed because it was a business account. 5. Since XXXX continued to bill me, I wrote two letters to XXXX and asked that they cease billing me and to close the account. I was told by XXXX they received the letters but unless I sign an early termination agreement, the letters were irrelevant and the account would remain open. The early termination document was sent to me via email and was rescinded promptly when I refused to sign it. 6. The local XXXX XXXX company, Executive Customer Relations Specialist, at XXXX, responded that I had a fee for early termination fee in the amount of {$790.00}. I disputed this balance as explained above. 8. XX/XX/XXXX, nearly three years later, XXXX has forwarded this account to a collection agency ( IC System, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ) which I find to be a defamation of my character and fraudulent in an attempt to collect an erroneously alleged debt. In summary, XXXX, I was informed this account has been settled.I ask that you intervene on my behalf. As a citizen for nearly seventy years, I take my financial responsibility seriously to ensure I meet my obligations. The business practice of XXXX described above is unethical, unfair, and egregious. I ask your assistance in resolving this matter and clearing my reputation.
Consumer complaint received 2017-10-08
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. (MO)

I was in XXXX XXXX and was approached by a sales rep that said he worked for XXXX XXXX by the name of XXXX XXXX. He told me about a few specials they were having with their service so after a couple of hours of being in the store I finally decided to get the service it was a bundle package with the internet. I was told that XXXX XXXX XXXX merged with them. I was not told that XXXX XXXX XXXX was going to pull my credit as well as them. I was told in the beginning that only XXXX XXXX would run it but afterwards i get a notification that XXXX XXXX XXXX ran my credit not just one time but they ran it 3 times. each time i called to find out what was going on they ran my credit and instead of removing it from my Credit report they informed me to just dispute the inquiries because I did n't authorization nobody at their company to run My credit 3 times.
Consumer complaint received 2017-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NH)

This company does not care about its loan Borrowers. Their website is terrible you can not sign in I called them to resolve it and I still ca n't sign in. I do n't even have public loan forgiveness anymore so I should be transferred elsewhere and they could n't be bothered either way. I believe I received incorrect information from the customer service. And I am incurrening interest while trying to pay these bills down due to the negligence. I also use their email to contact them to complain and never received a reply.
Consumer complaint received 2017-08-14
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: Exeter Finance, LLC. (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times. Ssn XXXX
Consumer complaint received 2022-02-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MI)

This Educational account was marked as 90 & 120 days late without a 30-day late. The said issue has been raised to XXXX but up until now they have not removed this account and keep on reporting this account inaccurately. Moreover, they have not presented any proof to ensure that they have investigated this account accordingly. I want this account to be removed as soon as possible. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2017-08-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TexCap Financial, LLC (TX)

ON OR ABOUT XXXX 2017, I RECEIVED A CALL FROM SOMEONE, WHO DID NOT GIVE ME THE CORRECT NAME, THAT WAS ATTEMPTING TO COLLECT A DEBT FROM ME, XXXX XXXX, I PURCHASED A VEHICLE FROM TEXCAP BACK IN XXXX 2017, FROM XXXX TO XXXX I HAVE NOT MISSED ANY PAYMENTS, I DID SOME RESEARCH ON TEXCAP, AND FOUND OUT THEY ARE NOT REGISTERED WITH THE STATE OF TEXAS, TO PRACTICE FINANCE AUTOMOBILES, THIS INFORMATION I GOT WAS THROUGH THE SEC OF STATE OF TEXAS, TX IS WHERE I LIVE AND WHERE TEXCAP IS PRACTICING BUSINESS, AND THEIR BUSINESS LOCATION, ON XXXX XXXX, A DEBT COLLECTOR CONTACTED ME, BECAUSE I MAILED IN A CASHIERS CHECK TO TEXCAP FOR MY XXXX PAYMENT OF {$670.00} ALONG WITH MY LETTER OF ALL RIGHTS RESERVED NOTICE, ASKING THEM TO PROVE THE DEBT? THAT IS WHEN THE DEBT COLLECTOR CALLED ME, VERY ANGRY AND DISRESPECTFUL, ON A RECORDED CALL FROM MY END, THAT I HAVE INSTALLED ON MY LINE, TELLING ME, HE DO NOT HAVE TO VALIDATE THE DEBT, HE IS CHARGING ME AT ALL, HE SAID IT OVER AND OVER THAT TEXCAP DO NOT HAVE TO PROVE, THE DEBT, AND SINCE I SENT TO THEM A NOTICE THAT WAS NOTARIZED ALONG WITH MY PAYMENT, TO LET TEXCAP KNOW, UNLESS THEY SEND PROOF OF THE VALIDATION OF THE DEBT, THE PAYMENT BEING MADE IS FINAL, I PUT ON THE MEMO OF THE CASHIERS CHECK " CONDITIONAL ACCEPTANCE '' MEANING THAT IS FINAL PAYMENT IF ACCEPTED. I MAILED IT BY US POSTAL CERTIFIED ALONG WITH MY " NOTICE '', NOW TEXCAP AFTER REFUSING TO PROVIDE PROOF OF THE DEBT, THEY ARE HARASSING ME WITH PHONE CALLS AND MAILING BILLS TO ME, AND THEY THREATENED TO TAKE MY TRUCK, EVEN THOUGH, I HAVE ASKED THEM IN WRITING TO VALIDATE THE DEBT, AND THEY ARE REFUSING TO COOPERATE ON PURPOSE BECAUSE THEY ARE COMMITTING FRAUD, I AM SENDING IN PROOF OF THE EVERYTHING, THAT I HAVE DONE TO NOTIFY THEM, AS WELL OF THE BILLS THEY ARE CONTINUING TO MAIL TO ME AFTER BEING ASKED TO DISCONTINUE NOTIFYING ME UNTIL THEY PROVIDE THEIR PROOF OF VALIDATION OF DEBT.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-08-14
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: The CMI Group, Inc. (TN)

I made payment to CMI who collected on behalf of XXXX for an outstanding debt. 
CMI did report the account was paid in full but refuses to delete the account from my credit report causing me to continue to get adverse credit rating. I am requesting account to be deleted because it is a reoccurring issue each time I apply for credit and the debt is settled. XXXX hired them to collect payment not to punish or cause long term financial hardships for me. 
ref # XXXX
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

On XXXX XXXX, 2015, I sent Experian a certified letter requesting that they investigate information on my credit report as the information is outdated, inaccurate, and or does not belong to me. Experian signed for the letter on XXXX XXXX, 2015, to which I advised them that they had 30days to investigate my request and respond accordingly. On XXXX XXXX, 2015, I sent a follow up letter to Experian in which they signed for on XXXX XXXX, 2015, which i advised them that 30 days have past and i have not yet received proof that they have validated the information. I advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit, bureau, I requested that they immediately delete the information from my credit report. As of this XXXX day of XXXX, Experian has not complied with my request, which is a violation of my rights.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check that was cashed and posted onXX/XX/XXXX when at the end of the day the account balance was {$36.00} after the check was cashed.Also I made a {$600.00} cash deposit on XX/XX/XXXX. Wells Fargo is assessing overdraft fees prematurely this same issue has happened in the past. In the past instance wells fargo only refunded half of the fee as a " courtesy '' when it should not have been assessed in the first place. That is shady business.
Consumer complaint received 2017-08-14
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: EQUIFAX, INC. (CA)

Accounts have been opened online without my permission fraudulently. I have had to file a police report and also have filed an identity theft report with the Federal Trade Commission by the recommendation of the investigating officer on my fraud case. I have contacted Equifax by telephone and have also sent them copies of my identity theft police report along with a copy of the Federal Trade Commission in regards to the fraudulent accounts on my credit report. They still are continuing to show these fraudulent accounts on my credit report and as a result I have lost a lot of the good credit as a lot of the banks for my credit cards have lowered my limits significantly.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-27
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: EQUIFAX, INC. (FL)

Dear CFPB For the las t three months , I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau continues to state that they have verified the debt. Let this be a formal complaint against Equifax. The following accounts are the items the credit bureau has refused to investigate correctly. Also, I would like to add that the other  XXXX  major credit bureau s (  XXXX  and  XXXX  ) are reporti ng accurate and correct information about this account.      1.    XXXX    XXXX  Credit Card. Available balance and Credit limit are reported incorrectly.   2.  XXXX   XXXX   XXXX   (    XXXX   XXXX   ) I re quested to Equifax and the creditor listed on the report, several times, for proof that this account belongs to me. As of today, neither party has provided me any contract or any documents that proof that I am the owner of this account. I also notice inconsistencies with their last payment date since it is noted as  XX/XX/2017    on my credit report. I do not recall having any account with this company (  XXXX   ) I a m attaching a copy of my credit report by Equifax as of  X/XX/17    and also I am attaching my credit card last  XXXX  statements.     I thank you in advance for your assistance on this matter.        XXXX   XXXX
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I have sent several certified letters to  XXXX ,   XXXX   and Equifax demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as Equifax. All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XXXX / XXXX /  XXXX    Amount  : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.
Consumer complaint received 2017-08-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

In late XX/XX/XXXXI started having problems handling the mortgage payments. I am a widow of a XXXX and a XXXX year old XXXX senior citizen. I am retired and do not make a lot of money. Between Social Security, VA XXXX Benefits and Government Retirement I am getting a gross amount of {$3900.00} a month. My mortgage payment is {$2000.00} with Wells Fargo Bank. I also have medical bills, food, home up keep and maintenance, Insurance, and utilities. I applied for a loan modification and Wells Fargo has been giving me the run around ever since. They stopped taking my payments and did not notify me of any liquidation options to resolve this issue. The keep saying that they need bank statements that I have already provided them with on numerous occasion. They told me they were waiting on me to send them a statement on why I did not finish the loan modification process and they even sent my case to a new employee to start the entire process over again. Lately the excuse is that my case is with the underwriters and they are waiting to hear back from them but the auction to sell the home is still on. I believe they have been running out time while trying to remove the house from the bankruptcy I filed in XXXX. I have no where else to go. I have had several people contact me from out of state claiming they could help litigate my case in court for a fee. My son told me that is a scam and stopped them before I signed anything and gave them any money. The auction is set for XX/XX/XXXX. Please help asap! Thank you
Consumer complaint received 2017-08-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kohn Law Firm S.C. (WI)

This is in regards to a loan that has since received a default judgment against my husband and myself.  The loan was originally for XXXX, signed in XX/XX/XXXX.  The debt was paid down to below $30000 when this was sent to court and now has accumulated to over $57000.  We lost our business in XX/XX/XXXX, where shortly after my husband moved to XXXX to work.  Shortly thereafter, we separated and I moved to XXXX to help take care of a grandmother who was in the late stages oXXXX XXXX.  She XXXX in late XXXX and I moved back to XXXX in XX/XX/XXXX.  Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from XXXX XXXX to an attorney who filed a judgment against us in XX/XX/XXXX.  They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time.  Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to Kohn law firm in XX/XX/XXXX.  We were NEVER sent any paperwork on this account when it was sent to either collection agency!  The only time I knew about Kohn law firm handling this case was when they stated garnishment proceedings on my husband in XX/XX/XXXX.  I did not know then that we could send a verification letter to these companies to verify the debt with them and now Kohn law firm says that I am entitled to a verifaction letter as it is past the 30 days notification!  How can that be when they never sent a letter to us regarding this debt?!!!  I have sent all information to the judge handling the case as well but nothing has been done.  This is not right and I would like something looked into regarding this.  I should be entitled to a verification of the debt from Kohn as well as XXXX, yet neither one will give this information!!!!  Kohn law firm continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX/syncb XXXX XXXX XXXX XXXX, Fl. XXXX first after applying for what was suppose be a XXXX pay pal extra earning 2 % interest points for purchases anywhere.. the company sent me instead late fees and no interests for purchases on late mailed paper statement.. i phoned their only customer phone support provided on credit card and statement,, the auto directory was too long for wait and took hours to finally speak to complain about the issue,, which was after suppose to have been resolved according to the full payment minus the late fees and penalties associated and what was agreed would be deducted from the total due.. in which turned out not to be the case as they have continued to send me late fee charges after the fact the representatives were suppose to have waived the extra penalty fees.. note..this bank only phone support connects to ( customer support connects outside USA not in USA ) now they harass me both text phone and by mail.. i want to file a complaint and warn others of this scandal PayPal MasterCard extras scandal,, i terminated the account but they wo n't and continue harassing me.