davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: McCarthy, Burgess & Wolff, Inc. (PA)

I filed a complaint against XXXX XXXX for attempting to collect charges made on my charge account that were fraudulent. XXXX XXXX sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from XXXX XXXX stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of XXXX XXXX / XXXX XXXX and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems XXXX is railroading me to pay this debt. 
In closing, this claim has not been retracted and XXXX XXXX did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.
Consumer complaint received 2022-03-16
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. (TN)

My interaction with Equifax has been frustrating. I noticed that there were XXXX fraudulent accounts, XXXX  ending in XXXX and XXXX Bank ending in XXXX, inaccurately reporting on personal credit report and I demanded them get removed by certified mailing Equifax a packet of information with copies of an identity theft report, SSN card, driver 's license, and proof of address for their identification purposes, and a cover letter stating. Initially when they received my packet they removed both of the fradulent accounts but this past month in XXXX, Equifax said that they had conducted investigations into both accounts and supposdely " verified '' that those fradulent accounts were mine. I was never contacted by them to ever provide any sort of documents or statements to help verify anything. Equifax had reached out to the furnishes who would've been XXXX and XXXX and used them to determine " verification ''. But according to the FCRA, I am the only person that can verify such type of information. They reinserted both of the accounts and now they both are reporting on my personal credit report. This is continuing to cause harm to my reputation, stress and disruption in my life and causing me emotional stress. Once I they notified me that both accounts were reinserted, I certified mailed Equifax an affidavit of truth one for the XXXX  and one for the XXXX accounts with all exhibits mailed to them up to that point and explained how they illegally reinserted the XXXX fradulent accounts back onto my personal credit report. These were mailed on XX/XX/2022. They've yet to send me a response or delete either account and they received one on XX/XX/2022 and the other on XX/XX/2022.
Consumer complaint received 2022-03-16
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: Mr. Cooper Group Inc. (CO)

On XXXX my husband received a phone call from Mr. Cooper mortgage company to see if we were interested in refinancing. My husband said we would not be interested due to the high interest rates. The next day the mortgage broker called again and asked if wed like to proceed and my husband told him that he would consult with his wife. On XXXX I received an alert from XXXX that Mr. Cooper obtained a copy of my XXXX Credit Report. I never spoke to this company to provide an authorization to pull my credit. I am not even an account holder with Mr. Cooper and have no idea how they were able to obtain my social security number. I also have a fraud alert on my credit report that will not allow a company to run my credit without confirming my identity via the provided phone number. No such verification call was ever made to my phone number.
Consumer complaint received 2021-10-03
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. (NJ)

I've been in contact with Equifax over and over for a while now and they have been a big help. However I still have so errors reporting on my credit report. I lost my social security card and someone else was able to open accounts in my name. I recently filed an identity theft report with the FTC for this reason.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I paid off ALL my credit the first week of XXXX, including a travel trailer we sold. We should have a zero balance on everything. There is no outstanding debt, except my car, not even XXXX on a credit card and it shows it all and balances even higher than what I paid off. I do n't have canceled checks because it was all electronic from my savings account and the trailer was paid off by the buyer to the bank. Why is this all still showing on my credit report?
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items to be updated or corrected right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.
Consumer complaint received 2015-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

XXXX XXXX loan was sold to Frederick J. Hanna and assoiciates. Hanna and associates will not return any of my calls nor will they send any receipt of payment that was sent for a {$500.00} payment by money order to their office. Customer service agents do this on purpose so that they wo n't have to work with the customer and immediately set debtor up with garnishment, as in my case.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, my checking account in Citibank charged me in this date XXXX dollars, I called the bank and they said that this charged was made by XXXX for a transaction made on XX/XX/2022, and that they are charging me now for this, I told the bank that I have not make a transaction with this company lately and if this was on XX/XX/2022 because I remember buying a jacket on that month, why Am I being supposedly charged again, so I asked the bank to open a dispute for this charged and the bank denied me this service saying to called XXXX and to fix the problem with them. I did what the bank told me to do and call XXXX and I spoke to the financial department that told me that they dont see any transaction made on that date with my debit card and told me to call my bank and ask them to open a dispute. 
I did this again and I was denied again by the bank to open a dispute for my money taken away from my account supposedly by XXXX. Also the las few months I noticed that money is missing from my checking account, like sometimes XXXX, XXXX, XXXX dollars, and when I called to the bank to open an investigation they denied me of this service and this money missing from my account got lost. 
Also I open a dispute on XX/XX/2022 for a charged made for XXXX of XXXX dollars and the bank closed the disputed last month saying that I didnt give them enough information when they sent me a letter by mail, but I didnt receive this letter that is why I didnt send the information requested to me. Citibank told me to send them a letter asking for an appeal to reopen the dispute which I did already but they have not answered me yet. This charged was made when XXXX charged me twice the transaction I made with them, I did receive the merchandise but after 2 weeks, I was charged again by XXXX in my account. 
Im not too sure if I am being robbed and abused by XXXX or Citibank or maybe are both.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (IN)

On XXXX/XXXX/XXXX I setup my account to be auto drafted half my mortgage bi weekly with Fay Servicing. The initial payment would be deducted 30 days later. On the date of the deduction XXXX XXXX/XXXX/XXXX XXXX Fay Servicing deducted a full amount which causes my acct to go into the negative. I contacted the office the same day and was told there was not a manager or supervisor to speak with me. I called again the next day and was told the same thing again. It has now been 48 hours without a resolution to the matter nor funds deposited back into my account.
Consumer complaint received 2022-11-23
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... 
Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$530.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX .... 
Balance : {$3200.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (FL)

XXXX XXXX from XXXX TX is currently suing me in XXXX XXXX XXXX Florida. 

They claim that on XX/XX/2019 that I took out a loan to cover the purchase of appliances and other items in the attached document XXXX XXXX with a loan repayment in the amount of XXXX. 

The delivery address on the bill shows XXXX XXXX XXXX, XXXX TX XXXX. 

I do own property in XXXX, TX XXXX about XXXX miles south on XXXX. I have not been back to Texas since my XXXX 's passing in 2019. 

I enclosed a copy of my XXXX bill showing that I made purchases the day before in XXXX XXXX Florida. I pay my XXXX XXXX in XXXX every month with a credit line of over {$37000.00}. 

On the XXXX I would take a cruise out of XXXX XXXX, FL. 

I have also attached my XXXX XXXX court hearing
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

On XX/XX/2022, I made two on-line payments to pay off my mortgage. The first payment was for {$57000.00}, which was just below the mortgage company 's policy limit of 95 % of balance for on-line payments. The second payment was for {$3900.00}. Both payments were accepted by the mortgage servicer and withdrawn from my bank account on XX/XX/XXXX. 

Mr. Cooper, the mortgage servicer, applied the second payment toward XXXX 's payment instead of principal only, and thereby made the {$57000.00} payment ineligible for processing because it exceeded their policy of allowing on-line payments for no more than 95 % of the remaining balance. 

After several calls and chat sessions ( all transcripts of chats have been saved ) with Mr. Cooper, I thought we had the problem resolved and the mortgage would be paid off.

By today, the payment should have been credited to my account. Since today is the fifth day after submitting the payments, Section 1639 ( f ) of 15 USC ( Truth in Lending Act ) should apply even if the payments are considered non-conforming by the mortgage servicer.

The payments have not been applied by close of business today. They still show as " unapplied funds. '' Adding insult to injury, Mr. Cooper took funds from my escrow account to make partial -- and early -- payment toward the XXXX payment. In other words, they are continuing to apply principal payments toward monthly interest when the loan should be paid off.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

Hi my name is XXXX XXXX XXXX XXXX and Im reporting an issue with Apple Credit Card with Goldman Sachs, unfortunately Im this past year Ive been incarcerated because I hit someone for occurrence of a mental breakdown that happened to me because of drugs during my mental breakdown Ive thrown away my XXXX, XXXX and watch that were linked to my XXXX  that I have my credit card, which was XXXX, and because Ive added a lot of features on my account like recovery key and two factor authentication but since Ive spent 2 months in jail Ive lost my number because XXXX XXXX XXXX had canceled, after being released and Ive got a new XXXX and created a new XXXX, tried to contact Apple and they say that I cant use the same credit card on different XXXX and that I needed to close my account and submit a new application for credit card, which would impact on my credit score. 
The main purpose of this complaint is to try to transfer the credit card to my new XXXX, the balance of the credit card is completely paid and I dont have interest to close this account because I have this account for more than and year. It would hurt my credit in a lot of different ways plus the stress of submitting a new application, resulting in more unnecessary damage to my credit score.
Consumer complaint received 2022-07-20
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. (FL)

I have no acknowledgement about all these inquiries except for my XXXX I just purchased in XXXX, also the six credit cards I have in my possession. I have a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXXXXXX XXXX XXXX Card XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX I have to many inquiries on my credit. Can I please get some type of assistance? This is with all three-credit bureaus Equifax, XXXX, and XXXX. I am trying to correct this issue.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

XXXX XXXX student loans reached an agreement with me and sent me a letter to agree to have all XXXX accounts deleted off of my credit report, I uploaded the letter as proof to Equifax and they have yet to delete. I just want the accounts deleted off my credit report like agreed in the letter that I sent.
Consumer complaint received 2022-11-23
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 according with the Fair Credit Reporting act XXXX, Account name- XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX. I am now XXXX and retired. I have been paying on a 7.375 % interest from Bank America Home Loans since XX/XX/XXXX almost XXXX years. When interest loans were lowered to 3 and 4 percent, I started applying for a modification to reduce interest. 
I have been engaged in doing this for the past XXXX years. With the help of XXXX XXXX of XXXX State Assemblywoman XXXX XXXX office we have filled and submitted over XXXX applications for this. 
At first I was told while I was still XXXX that my income was too high. After I retired XXXX XXXX acting as Third Party have submitted al least XXXX more applications which involved bank statements for 3 months ; periods, letters from the college and reduced income supporting hardship -- all without success. This frustrating process required submission of appplications to always changing consumer relations associatte. This means that after submitting the ; package to that associate. another person would take over the next time : one in XXXX, another in XXXX, still another in XXXX. 
The only act of mercy I received was the acceptance of monthly escrow payment which I paid faithfully. 
After the month of XX/XX/XXXX had begun, I received a note from Bank American Home Loan informing me that my loan had been changed toXXXX Mortgage ... In dealing with XXXX the monthly payment is still exhorbitant and the interest still at XXXX which means there was deception all along -- or fraud. 
I choose as my title persecution of seniors, a descriptive title that used in a communication to the Commissioner of Currency which supervises banks. Bank America exists because tax payer monies bailed them out of the crisis it has been shown that they also helped perpetrate. 
I am submitting my story to broadcast my claim that I am being treated unjustly. 
i will be forwarding to you a copy of my letter to XXXX XXXX of Commissioner of Currency whose institution has done nothing. 
I am presently working with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Third Party. 
I can not just give up even in this unjust situation which is aimed to cast me out of my residence and my major asset. 
I am an XXXX great grandmother. Lowered interest and modification process were intended to render justice to ordinary Americans but the way it is handled causes plunder the old highway robbery system. The XXXX 2 weeks ago listed income of executives in seven figures why the poor are defrauded. 
I am trusting that you are a honorable American who is committed to do right. Righteousness will keep blessing America. XXXX. XXXX XXXX XXXX XXXX XXXX email : XXXXXXXXXXXX.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (CA)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. You, however, seem to claim you've verified the accuracy of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : XXXX XXXX XXXX XXXX