davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AmeriCash Holding LLC (IL)

I submitted a revoke letter to stop an automatic payment to Americash Loans on XX/XX/2017 twice and I was told they never received it. I send a third request on XX/XX/2017 straight to one of their agents, I called back to verify the employee received it and she rudely replied with a yes. This employee explained that it was in effect immediate. On XX/XX/2017 this creditor continued to debit my bank account. I immediately called them and they called my bank to verify that the payment had posted. I was then told I needed to wait to call back on XX/XX/2017 ( Monday ) because there was no manager available.
Consumer complaint received 2020-04-20
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. (OH)

While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (FL)

Requested debt validation from Hunter Warfield for an apartment complex that I have never lived in, and the account that was listed in collection in my credit report. The response from the debt collector was a request of a copy of my Social Security Card and Drivers Licence. Since they could not properly validate the debt or even prove they were dealing with the correct person. Sent them a XXXX letter informing them that they did not properly validate the debt per FDCPA and requested they remove the account from my credit report and refused to do so.
Consumer complaint received 2017-05-27
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. (NY)

I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NJ)

My house was in foreclosure then my garage burned down in XXXX 2016, I communicated to bank M & T that I wanted to pay mortgage off instead of rebuilding garage. For several months I have been trying to pay off. First a wire was sent they held for four days then sent back. Then I overnighted a bank check as per instructions and they sent that back. I re-overnighted the check and they have had it since XXXX XXXX and told me they would email attorney and cancel sherrif sale. Thank god I went to court because they disd not. As of today they cant locate check and payoff still not completed. How many other consumers are dealing with this at M & T.
Consumer complaint received 2017-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Starting in     XX/XX/XXXX , I attem pted on a few occasions to refinance my existing mortgage with Nationstar Mortgage, the servicer to my existing note, held by   XXXX   XXXX  . I was having difficulty maintaining paying the mortgage on time, and although I was not in default or even behind in payments, I wanted to see if I qualified for the HAMP or HARP programs. I reached out first to a counselor at the Making Home Affordable website, hosted or run by   XXXX   XXXX  /  XXXX   XXXX   and engaged in a conference call with NationStar that same month. I was informed by  Nationstar  that due to my experiences to date, I was eligible for home modification under HAMP. I proceeded to apply for HAMP by the deadline of   XX/XX/XXXX . I   was subsequently deni ed by Nationstar st ating I did not meet eligibility requirements, directly contrary to prior conversations. In fact, the Making  Home Affordable  counselors at   XXXX   XXXX   did not understand their response either. I was then asked to participate in HARP --  Nationstar st ated that I was eligible for HARP but needed to wait  until  XX/XX/XXXX  as  I  had one la te payment on file and needed to be on time with payments for a year. I then reapplied in   XX/XX/XXXX ,   had a loan  counselor  at  Nationstar  look at my note, my current obligations and stated I qualified and locked me into a rate. They performed an inspection of my property and then I got no communications from them since. I had to contact the company several times and received no further communication.      About two wee ks after my attempts to contact them, I got a letter from  Nationstar stating my property was unacceptable to refinance. When I inquired further, I found out that Nationstar  stated my mortgage note was for a cooperative property and they do not refinance cooperatives. However, since my initial experience in late     XX/XX/XXXX   through this statement of theirs  in  XX/XX/XXXX  -- they sta ted  ( a )  I was eligible for HAMP and HARP.     I went throug h two successive evaluations, credit report pulls, and evaluations only for them to state they do not refinance cooperatives. They are a mortgage lender, they are my servicer and they knew for this entire time my property did not qualify but never informed me of this. This is not only deceptive but is grossly negligent and harmed me as a consumer. This is not the first time I had difficulties with Nationstar and I have already filed a complaint with the Texas State Attorney General and will also be doing so for the State of Illinois. Nationstar should not be allowed to operate managing servicing of loans without penalt y due to this gross negligence.     I will be contacting all federal agencies and credit reporting bureaus to report these misdeeds. Thank you in advance for your assistance.
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MD)

I called Great Lakes on XX/XX/XXXX requesting a refund on payments sent during the COVID pause. I was given a 20 business day lead time for the balance to be received back to my account. On XX/XX/XXXX, I called once again after I still did not receive my refund. They could not give me any information and gave a vague " any day now ''.
Consumer complaint received 2021-11-26
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. (GA)

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY ()

Wells Fargo issued to my company, XXXX XXXX XXXX XXXX, a cashier 's check for {$2500.00} chq # XXXX dated XX/XX/XXXX that went to a former and old office address in XXXX XXXX, NV and got forwarded to my correct address. I received the original check here in XXXX, XXXX, so there was no need for me to get a notarized affidavit. 

According to Wells Fargo 's letter dated XX/XX/XXXX ( attached ), the deadline to respond to their letter was before XX/XX/XXXX. Immediately on XX/XX/XXXX I sent an email to unclaimed XXXX about the matter. On the same day, I received an auto response from Wells. On XX/XX/XXXX, I sent another email to Wells. Until now XX/XX/XXXX, over 2 months, no Wells Fargo team member has responded to my email. I also called their XXXX number but no one is attending to that number as well. 

I followed up with a letter to Wells Fargo on XX/XX/XXXX ( attached ) to send me a replacement check to be mailed to XXXX, XXXX, the specific address of which is already on their original file for my company. They have already sent me checks to this address in the past, so this is not new address to them.
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 status incorrect
Company: EQUIFAX, INC. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX  Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2016-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES (IL)

I got a letter from Great Lakes stating I owe {$20000.00}, I signed a Promissory note for {$25000.00}. No payment have been made as of yet .... So my question is where did the {$5000.00} go? I have stated before that the student loan industry engages in fraud to facilitate the application of fees to one 's loan total. I asked for all of my loans to be consolidated, yet I bet one of the loans has accidentally misplaced or other jargon to cover themselves.
Consumer complaint received 2023-02-09
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (MD)

I had made a verbal phone settlement of the debt for XXXX of the original amount of XXXX and requested the company to give me the settlement agreement on this, and they refuse to give me something in writing stating we agreed on the 3 payments of XXXX + XXXX processing fee per transaction and once i make those payments the remaining balance will be forgiven and I would have settled for 50 % of the payment. The company refuses to give me something in writing and states that their company doesnt provide anything in writing untill the amount is paid off and is refusing to give me proof that once i pay the settlement amount the loan will be closed. They has made rude comments on the phone, and have been very degrading when i asked for documentation for an agreement of settlement, i told them i understand it is not paid in full but i need to know what amount im paying back and if they will uphold their end. 
Please help, I feel bullied with this company.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

Complaint 1. On XXXX XXXX, XXXX I found out that all my accounts were charged $ XXXX monthly fees. I truly believe that this is harassment and retaliation from citi bank because I was never charged monthly fee in the past. 
Complaint 2. On XXXX XXXX, XXXX I received a message from citi bank. " Citibank would like to take this opportunity to thank you for opening XXXX & # XXXX Interest Checking. 
If you have any questions about your new Citibank account ( s ), please contact the XXXX XXXX XXXX XXXX at XXXXCITI or visit XXXX '' I have responded immediately that I NEVER opened XXXX # XXXX Interest Checking. I further asked the bank to start fraud investigation. 
Complaint 3. On XXXX XXXX, XXXX I went to XXXX VA branch to make deposit. I never asked any bank staff regarding line of credit. However right on the second day, bank rep called me stating that he pre-approved a line of credit account for me with interest rate 2.99 %. I have rejected the phone call immediately stating I never asked this any type of borrowing product. 
Complaint 4. On XXXX XXXX, XXXX I went to XXXX branch to make deposit and demand promotional offer {$900.00} and thank you points XXXX. I was given extremely difficult time by the teller such as asking my social security number, phone number, ID etc. The teller told me this is banking policy. I asked him to show me banking policy. However he can not show my anything. I have reported this to his manager. His manager made all copies of promotional offer and checked my accts why it met promotional requirements. Second week I never heard anything. 
I do NOT think that I had any pleasant experience with this bank but to ask this bank to address the above XXXX complaints or even more. Please honor promotioal offer and unpaid bonus. So I can choose another bank with positive experience. I have all evidence in my hand. I would like to provide per your request.
Consumer complaint received 2017-05-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company, XXXX XXXX, and XXXX XXXX  and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more than one occasion, and neither XXXX XXXX or this bureau has done anything to address the creditors disregard for the federal laws. I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had XXXX XXXX account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

Always had perfect payment history never Gad a late payment, they had an issue with the auto pay and never notified me of anything until they reported late payment and when I called to dispute they said they will remove it and never have
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MN)

In XXXX XXXX I apply for a credit card in best buy store to purchase a TV the no interest rates for XXXX on the promotion last XXXX XXXX I was left with XXXX dollars so this morning XXXX XXXX XXXX I make a payment of XXXX to my surprise I have a balance of XXXX dollars in i call they said they ca n't help me
Consumer complaint received 2022-10-03
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. (AZ)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

In 2014 I had opened a credit card account with Macy 's in XXXX at thier department store in person. A month had passed after being activated, and no bill had been received by U.S. mail. When I called to ask, when would I be receiving it, they informed me that It wad past due and that it was sent electronicly. I had not signed up for email billing. MACY 'S reported my first payment as being late, and has not worked with me to resolve that matter. They refunded my late fee, and did confirm the mistake over the phone, but never corected the report with the credit bureaus. I need help resolving this matter. Thank you.
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX there were, multiple unauthorized charges on my Citi Debit Card. Citi blocked my card and refunded me the transactions ( worth of {$700.00} ). Three weeks later, the same transactions show up in my account saying " other '' under description. I call Citi, they say the case was not in my favor. I ask what " case '', I was supposed to have XXXX liability for unauthorized transactions, not was I ever contacted in regards to the transactions. I am given a fax number - and it took over an hour on the phone - saying I should prove I have n't authorized the transactions. I check online, the original fraudulent transactions are completely deleted from the account, I just have Citi 's recent withdrawal of the same amount under " other '', with no merchant detail or information. Today I went to a branch to fix this. After one and a half hour, no resolution. It took that long for the manager to even find the original transactions since they have been deleted from the account. They all happened on XXXX XXXX - I have proof of a phone call with Citi as well as the issuance of a new card. Citi says XXXX of the transactions actually happened on the XXXX ( by which my card had to been blocked ), and that they are re-investigating, however they ca n't refund me the money. I was told it was an online transaction and I should check in with the merchant - that would have been useful if they had told me to do that XXXX XXXX, when the transaction happened, not now, 3 weeks later, when the order must have been fulfilled. it 's not my job to police fraudulent uses of my card, it 's Citi 's - they are supposed to have my back. Have they contact the merchant? I will never know because not XXXX single detailed of the so-called case has been shared with me - nor was I notified by Citi withdrawing that money. This is no OK. The bank ca n't just delete transactions, take money out of my account - all without notice or approvals. Now I am still missing {$700.00} worth of unauthorized charges and Citi says they are looking into it. How can I trust them with my money? This could happen tomorrow and they would be like " sorry, we do n't believe you ''. How can I prove I had n't authorized online charges, three weeks later, with no merchant data or warning / details form the bank as to what they have found? I understand they have to find a way to make a difference between unauthorized charges and disputed ones, but as a customer, I need to know they have my back. Even the manager was confused as to why the transactions disappeared from my account, or the multiple misleading informations regarding the transactions ( I was told it was done XXXX XXXX, then XXXX XXXX when in fact I had found it XXXX XXXX. the only proof I have is the text message from Citi warning me of a fraudulent transaction that they later did not own up to ).