davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

Franklin Collection Services is attempting to collect {$280.00} dollars from me for something from XXXX XXXX XXXX but I have never had anything from XXXX XXXX XXXX.I disputed with XXXX but they unmediated resolved the dispute saying I owe it.
Consumer complaint received 2022-09-24
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. (MD)

Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA. 

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2.

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2021, my ex-husband purchased a money order from XXXX XXXX XXXX located on XXXX, AL from XXXX XXXX XXXX teller XXXX for alimony owed to me in the amount of {$550.00}. I deposited this money order on XX/XX/2021 at the XXXX, AL branch of XXXX bank. XXXX bank took this out of my account because they say the money order was cashed on XX/XX/2021 at A WELLS FARGO WITH MY NAME ON IT and it is MY FAULT FOR " FAILING TO SECURE THE LIVE ITEM TO PREVENT IT FROM BEING TRANSACTED. WHY IS IT MY JOB TO SECURE A MONEY ORDER 3 DAYS AFTER I DEPOSIT IT INTO MY ACCOUNT IN THE DRIVE THROUGH? You can not go in because of covid. This has to be examined futher with WELLS FARGO BANK. This is ridiculous. SOMEHOW THIS GOT IN THE HANDS OF THE WRONG PERSON AND IT WAS RECASHED AT A WELLS FARGO BANK. WELLS FARGO should have cameras and know that it was not me who cashed my money order. XXXX is blaming WELLS FARGO for recashing my money order.
Consumer complaint received 2022-08-08
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: U.S. BANCORP (WI)

I opened a US Bank checking account XX/XX/22. And when it was approved, I received notification of application for the US Bank XXXX XXXX XXXX credit card. I never applied for a credit card and never wanted another US Bank credit card, only a checking account. How a new credit card application was filed is beyond me. A hard credit inquiry on file on XX/XX/22 is fraudulent and not caused by me, XXXX XXXX. I called instantly on the same day the moment I saw it for US Bank to stop the application and cancel anything related to the credit card application. On XX/XX/22 XXXX XXXX XXXX representative of the US Bank at XXXX XXXX XXXX contacted me, letting me know that he apologized for the experience and advised me to send in a request to US bank to remove it, but it was denied.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

I had notified the loan servicer-Gregory Funding, LLC. of my extreme hardship and asked to work with me payment assistance options, give me forbearance. This company stalled the process, every day create artificial barriers in order to escalate foreclosure activity. As a victim of discrimination, predatory lending and consumer fraud, I ask for your help. As a homeowner, I had submitted loss mitigation forms and supplemental supporting documents many times, last one was mailed last week, however their staff are well trained in verbal manipulations and stall tactics. Prior to COVID-19 pandemic, my mortgage loan was sold/transferred to more than dozen of suspicious " bogus '' loan servicing companies, including the current company.I have a proof of my misaaplied/missing and never posted payments I've made last year. My timely payments were posted to my account, prior to XX/XX/2020, however this company repeatedly refused to report my mortgage payments to CRA 's.
Consumer complaint received 2022-09-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Consumer complaint received 2022-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The alleged is being reported by XXXXXXXX XXXX XXXX XXXXXXXX XXXX claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. Im in fact owed money. I also stated this to my insurance company. Im requesting a full description of the procedure of reinvestigation once completed. I demand that this negative mark be removed from my credit report immediately.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (MI)

I authorized a payment of {$600.00} on XX/XX/XXXX which was processed. Today I logged on to my account to see that this company illegally took another payment of {$600.00} without authorization. They stated it was autopay ... .however, they set my autopay and it was at {$51.00} ... ..not {$600.00} and was set to be withrawn on XX/XX/XXXX as I had already made XXXX 's payment on XX/XX/XXXX. They double dipped and now I am stuck with an overdrawn account racking up fees, returned check fees, etc. They had no authority to take another {$600.00} payment. I spoke to the company today and was told a refund would be given in 5 to 7 business days and I would receive an email confirmation. I have yet to get confirmation. Not to mention I have a personal loan with this company too with an autopay payment scheduled for XX/XX/XXXX and now due to their mistake, my account will not have the funds to cover. I want my XXXX refunded IMMEDIATELY, and all fees incurred due to their mistake refunded as well as any fees or negative impact reversed on the loan with them that I will not have the funds to pay until my refund is received. They had no right to double dip on a payment.
Consumer complaint received 2021-05-30
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: EQUIFAX, INC. (NY)

Ive tried to reach out to Equifax and they have refused to help clear up the problem. This XXXX credit point drop caused me not to able to apply for an apartment and a job. Im currently unemployed and homeless due to Covid19. Equifax is playing games with my life and they have utilized this crisis to cause problems for our consumers. Equifax has updated the account from XXXX and it caused for the credit rating to drop from good to bad credit. Ive called their customer service and some of the agents are not able to communicate properly. They appear not to be stationed in the USA and the language barrier prevents me from communicating properly and giving them the information, Im not sure if they understand the scope of the problem they caused for me.
Consumer complaint received 2018-05-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Navient offers no options for private loans for borrowers who can't afford the insane amount they ask each month. I'm happy to repay what I owe, even if the education I got with the loans has done nothing for me professionally. I have asked Navient in the past to do things like apply my payments to the balance first and the interest second, which they refused to do. I spoke to them over the phone to ask if I could lower my payments in any way and I was only offered forbearances and was told there was no possible way they could lower my payments. 

I've also asked them to validate my debt in the past, and they refused to do that too. My current monthly student loan bill is {$560.00}, which is almost half my monthly income. This is the second time so far this year Navient has raised my payment without reason. Last month my payment was {$550.00}, of which only {$90.00} went to the actual balance. At this time last year, my payment was {$520.00}. 

I currently have my federal loans in IBR and pay nothing on them because I only make about {$1300.00} a month. Because of Navient refusing to work with me and make my payments more affordable, I can not be an independent adult and live on my own. On top of all this, my total balance has gone up by several thousand dollars since entering repayment in spite of making regular payments of several hundred dollars a month for years.
Consumer complaint received 2021-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NC)

I took out my first private loan in XXXX with XXXX XXXX bank as the lender and AES as the servicer. I have a total of 6 loans with a remaining balance of {$88000.00}. Over time my loans were sold to NCT. Over the life of the loan I have paid a total of {$160000.00}. I have been given incorrect information by AES on multiple occasions. In XXXX I was told if I made full on time payments for 5 years I could release my co-signer. Once I completed those 5 years I was told I couldn't release my co-signer because in the past I used a reduced payment plan. 

Current date I have requested contact information for NCT so I could speak to them directly. I was told " XXXX XXXX XXXX  '' was the contact for NCT. I called and gave them my SS # and they informed me they do not that my loans. I reach out to AES via certified mail twice to provide me with legal documentation with with NCTs contact information or paperwork stating they own my loans. As of today XX/XX/XXXX the only thing I have received is the original loan paperwork. Zero information for my lender-NCT. 

I am trying to find the lender for my set of loans to provide information of ownership as my lender with contact information.
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — Store credit 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. (MA)

I have paid Ll bean send them the copy from my bank showing the check being paid. Now they want me to research when they have the Original copy of check. This is the second time I have had problems when I make a payment there problem is there vendor XXXX XXXX handles there banking.something is wrong. I paid on line from my bank and never have an issue. But with them always a problem I am definitely closing there charge soon as this is clear up. I only owe XXXX. What a hassel.
Consumer complaint received 2021-05-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I sent out letters disputing accounts on my credit profile to all three credit bureaus Equifax, XXXX and XXXX. I have yet to be notified of my investigation status. I disputed misleading accounts on my credit report because they weren't my accounts. I feel as if I am being taken advantage of during this process from these three bureaus. This process has also given me lots of XXXX and I want to move on. I even sent a DEMAND TO COMPLY letter and still haven't heard anything. According the FCRA bureaus have 30 days to reply to any letters and they have failed to do so.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I called Kia three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXXwe returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to  believe that the credit department at Kia can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.
Consumer complaint received 2020-03-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I am writing with grave concern that we are not being helped by our mortgage company. We were transferred to them XX/XX/2019 from XXXX XXXX  XXXX when they went out of business. We had gotten a letter stating that during the process of being transferred over we wouldnt have to pay right away, they gave us a 90 day grace period. We missed one payment, and we paid double the amount of our mortgage in XXXX of {$3500.00}. Since that time the company has put us in default, I had to start a loss mitigation and when we were almost to the finish line with a better house payment, they denied us with no answer. When I call I get transferred to a heating company, when they call and I tell them this they dont have any answers. When I call about why my payments are being placed with the month they are being paid on they tell me that we are MONTHS behind. We have never been behind like they are saying with any house payment in the past. They have made it completely impossible to catch up, refinance and not live in fear of losing our home. We send the documents they ask for just to send them three to four if not five times more. Nothing we do seems to be leading us in the right direction. We are two military Veterans that work hard every day with the injuries we have and are being taking advantage of. I need to get out from under this mortgage company and I need to keep my home. I have all the statements, all the statements from a year ago til today. I dont know where this all went wrong and can not get any answers from the mortgage company. Please can you help me?
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Today I received an automated collections call from Citibank attempting to collect a payment on a card that 1 ) i have never used and 2 ) per my last CFPB complaint i was assured that the ONLY card that I had left open with citi was the mastercard ending in XXXX. 

Furthermore - When I log into my citi account, there is NO mention or reference to any card OTHER than the one ending in XXXX. 

When I spoke to a customer service representative, they said oh this other card isn't registered online. Well, there is no way for a customer to register a card online. 

When you have a banking relationship - all of your accounts should be loaded onto that servicing platform. 

This seems like a very deceptive banking practice. I do not owe an annual fee on a card that I not only havent used but requested that only XXXX be left open. 

I have an outstanding credit left on this card ... this card has a {$450.00} a year fee - why am i also being charged another XXXX fee on a ghost account? 

This is totally unacceptable. 

XXXX XXXX
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NM)

XX/XX/2020 I was informed my account was closed and dont 180 days I would be allowed to withdraw my funds. Now we have arrived at 180 days and they will not let me have my money
Consumer complaint received 2022-08-08
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. (IN)

Hello, I have 2 XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus.

I found 2 different American Express accounts with the same account numbers. 

Different account balances across the 3 credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and XXXX XXXX credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.
Consumer complaint received 2021-05-30
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. (NC)

XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-09-24
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX - XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX - XXXX, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (SC)

I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent account