davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-28
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. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-02-21
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. (NC)

I have subimitted several disputes of information in regards to XXXX XXXX credit card accounts showing incorrect payment information ... the credit report refuses to let me dispute again stating they have investigated and the information is valid ... my problem is I received a letter from XXXX XXXX that confirms that didnt provide any information to the credit bureau in regards to the dispute ... thus the credit bureau is luring it hasnt perform a valid investigation
Consumer complaint received 2021-02-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (CA)

Closure of XXXX XXXX XXXX accord XX/XX/2016, I was enrolled and was unable to complete my degree due to the closure for lack of other words they frauded students. they have defrauded U.S Department of education at my expense and have been trying to get my loan forgiven/Discharged and have submitted a borrowers defense application # XXXX since XX/XX/2016 and the servicer great lakes is accruing interest since then as I wait for the U.S Department of Education to complete my application with a final decision as I have on my credit report Federal student loan that has cause me to not be able to purchase a home or get credit. We are not coming up to 5 years and just get run arounds as I'm compassion with all the students that have been affected by XXXX, but when calling the U.S Department of education are not able to inform me of a time frame for a decision and felt as if they are withholding information and do not want to come to a decision that is hurting thousands of students.
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX ( Date XXXX XX/XX/XXXX, Credit Limit {$1500.00} ) , XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-08-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$1600.00} has 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 a account without my written instructions.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NY)

I started an online application for a loan through XXXX bank but then called to clarify whether they finance manufactured homes and found out they do not so wanted to delete my application. I erroneously started a new application in an effort to delete the current one. 

I have asked M & T 8 times ( 7 time by email and one phone call on Friday, XX/XX/2021 ) to please stop sending multiple email per day and now followed by multiple calls to finish my application. On the call, the M & T I advised that she will remove me from the the solicitation '' list yet the calls and email continue and I find this extremely harassing 's and a form of predatory lending and
Consumer complaint received 2020-06-02
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: CITIBANK, N.A. (MA)

I do not knwo what is going on with this account. There are too many lates on it and this is absurd. I demand an investigation why is this reporting like this because I do not recall having this kind of account.
Consumer complaint received 2021-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capio Partners, LLC (FL)

Capio Partners LLC has submitted a debt to all major credit bureaus in a amount {$850.00}. The same debt amount & account provided by XXXX XXXX XXXX showed on my credit already. I do not owe this debt or have business with these companies. I have made numerous attempts to have this falsified information removed. XXXX XXXX XXXX has not provided the date of service, who provided & what service was done, doctors name under the FCRA. Without this information being provided, its a 609 fair credit report act violation. Both accounts needs to be removed from my credit report immediately. Also, this falls under double jeopardy law. I have provided an image with debt being claimed by both companies.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (NY)

This account was paid in full in XX/XX/XXXX, proof provided by a paid in full letter dated XX/XX/XXXX. A new account has been opened as of XX/XX/XXXX, after verification of the account being paid in full. The account was paid again in XX/XX/XXXX, after the company refused to acknowledge the account had been paid since XX/XX/XXXX. I was put back into collections without prior notice 2 weeks after opening the new account. Now the company is still reporting that I owe the balance that was paid in XX/XX/XXXX. This account needs to be reported as paid in full or it must be removed from my reports immediately.
Consumer complaint received 2021-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2020 i purchased an airline ticket and when I received my Booking information, i noticed the Agent had an error. I immediately contacted the merchant and informed them of the error they had made. I also contacted the credit card company I used to purchase the airline ticket. 

It took seven months before the merchant ( XXXX ) to pay back my credit card. During that time period the Credit Card company keep sending me payment statements for a error the merchant had made. I contacted the Credit Card company ( Barclays ) XXXX XXXX credit card explaining the merchant must refund the credit card back, and that I should not be responsible for the error of the merchant. 

It took seven months before the merchant paid the amount in full. I contacted Barclays XXXX XXXX and ask them to remove the Fees and Interest rates that occurred on my account, due to an error the merchant made. I the customer should not be reliable to pay for the mistake of the merchant ( XXXX ). I request the late interest and fees be waive from my account.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

PNC refuses to reimburse overdraft fees, despite repeated pleas and proof of significant income loss due to COVID. My account is now in the negative by over {$500.00} due to fees. I was given the Covid credit and verified with the bank that it was not going to be reversed. There were two communications via their online chat. On XX/XX/21 a representative wrote to me " Those credits will not be reversed. One it was discovered to having a Hardship due to Covid-19, PNC is able to issue credit to support you. '' OnXX/XX/XXXX I verified with another representative who wrote to me : " Happy to Help, I do not show notation that Covid Temporary Credit will be reversed. I show the funds will be available on XX/XX/21 ''. Instead the credits were reversed, another representative told me to go and read the " fine print '' of the Covid waiver, and, to date, I have been charged overdraft fees in excess of {$500.00}. Repeated attempts on my behalf to get this resolved have been futile. It is criminal what PNC is doing to its customers. Ethically and practically, there should be a moratorium on fees. Customers should not have to begging for leniency, only to be dismissed by customer service agents who have clearly been given a script by the corporate controllers. Shameful.
Consumer complaint received 2018-02-21
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. (IL)

Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.
Consumer complaint received 2021-02-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

Flagstar Bank is the servicer for my home. I have owned this home since XX/XX/XXXX and have always paid as agreed and on time. Under the Cares Act, in XX/XX/XXXX, I deferred my mortgage payment for 6 months with the understanding that my payments would be pushed to the back of the loan. Now that I am able to resume payments as normal, Flagstar required me to pay in full the missed payments during the forbearance ( {$4300.00} ) or my loan would be required to be under review ( which must be approved ) for a complete loan modification which included information such as : my pay, W2, proof of hardship due to COVID-19, my spouses pay and W2 etc. ; all of which I thought was not required or asked under the Cares Act. When I asked Flagstar why this was necessary as my home is USDA, the supervisor stated that the investor for my home would not allow for the deferred payments to simply be pushed to the back of the loan ( XXXX XXXX was referenced as the type of loan, not USDA by Flagstar ). If I knew that my payments would all have been due as a lump sum, this would not have been helpful at all and I wouldnt have wanted them deferred in the first place. I need to understand why my loan was required to go through a complete loan modification and - among several other things - why I was required to show Flagstar my proof of hardship due to COVID-19. To keep good standing with my mortgage, my daughter had to pay the deferred missed payments so that I would not be subjected to a loan modification, which was absolutely not necessary due to the fact that I could resume my normal monthly payments - as I have favorably done since XX/XX/XXXX.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST MIDWEST BANCORP, INC. (IN)

I applied for mortgage pre-approval, received approval from First Midwest Bank loan officer XXXX XXXX on XX/XX/XXXX. Based on approval, I entered into a purchase agreement with XXXX XXXX XXXX for a new construction townhouse. On XX/XX/XXXX, I was asked to sign conventional loan application for {$160000.00}, 4.5 % interest rate, with {$5000.00} down payment, and no closing costs for buyer. The application had multiple errors, including the property address and I asked them to correct it. 

On XX/XX/XXXX, I was asked to sign new application for an FHA loan. XXXX advised she couldn't do conventional loan. Loan amount decreased to {$150000.00}, interest rate increased to 4.625 % and buyer closing costs increased to {$2000.00}. Told that underwriting was trying to approve based on my student loan monthly payment. Confirmed with 2 local loan officers that this process should take about 48 hours to determine eligibility for FHA loan. Didn't receive  response from XXXX XXXX until XX/XX/XXXX that I was not eligible for FHA loan. 

Told me that loan had to be conventional and the loan amount decreased to {$140000.00}, interest rate increased to 5.375 %, buyer closing costs increased to {$7800.00} approx. Two days later told I needed {$8500.00} for closing. Told me I had to produce certified funds within a week. Reason given was " changed circumstance '' but my circumstances had not changed. XXXX XXXX  changed the terms of the loan after I entered into an agreement.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CO)

Today I called Ally Bank to speak about a possible fraudulent transaction. The transaction was in XX/XX/2017. There were no other suspected fraudulent charges. 

The front line customer service rep made a mistake and canceled my current card without my permission. 

Normally this wouldn't be a problem but I am traveling to XXXX in less than a week. There is no way that they can send me a replacement card by the time that I leave - or realistically during the first part of my trip. International shipping can take a couple of weeks. 

Spoke to the supervisor and the only solution presented was to use the current card as an ATM card during my trip. 

It makes no sense that a card would be deactivated without my express permission. It is my money please allow access. 

There is a distinct possibility that I could end up across the world without access to cash. 

This should not have been done without permission. The company should overnight a card in an attempt to fix the situation. This is not going to happen.
Consumer complaint received 2021-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

From early XX/XX/XXXX it finally became evidence that my wife and I were defrauded by a clone company XXXX XXXX. The criminality was confirmed through the XXXX reserve banks formal warning and also through communication in Early XX/XX/XXXX with a legitimate director ( who refuted clone company emails and information ) thus providing me with the information that in fact we had been defrauded through a sophisticated criminal enterprise ( taking on the identity of a legitimate company ).. 
In XX/XX/XXXX as first step we invested in a small amount USD XXXX proposed for an equity purchase of XXXX to which we went ahead ( based on the clone XXXX XXXX remittance that as provided ) which in turn created the first transfer through to their US account ( held by JP Morgan Chase Bank / receiver entity in XXXX XXXX XXXX?? 

Steps XX/XX/XXXX sort recovery of the USD XXXX funds that I wired ( per attached Wire copy ) to XXXX XXXX XXXX XXXX or a fraud entities JP Morgan Chase Account Details Receiver entity XXXX XXXX XXXX XXXX ( as a receiving entity for a Fraud scheme by XXXX XXXX that was a clone company not legitimate ) may also be fraudulent I tried to email XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on two emails on their site ( XXXX and XXXX ) but both bounced? 

Then a call to JP Morgan Chase USA for our Funds to be returned on in XX/XX/XXXX ( to JP Morgan chase and this was from a phone call ( to which customer service told us this was their method of complaining ) this process has been ignored as JP Morgan chase will only be motivated to act with a Court Subpoena Late XX/XX/XXXX posed JP Morgan Chase a Dispute letter with evidence. 
Also of note relating to the larger payment USD XXXXXXXX payment made to the XXXX XXXX Fraud Scam was a fraudulent letter provided by US company XXXX XXXX XXXX XXXX XXXX XXXXl that let me to believe the larger payment was supported by XXXX XXXX XXXX ( as the customer in this transaction ) I am attempting to recover the losses and would also like to know if the CFPB can assist through any insurance / indemnity funds in the US as well as recover the bank transfer ( USD XXXX to JP Morgan Chase )
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

I have tried several times to get my free credit report from Equifax online through annualcreditreport.com and the website keeps saying the report undeliverable online. 

Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Accounts # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, has 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 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax is refusing to release my credit information to creditors I was told they have a back house freeze on my credit report I never authorize them to do that after sending them my a copy drivers license and Social Security card they still are not reporting my credit this has been going every since XX/XX/2022 the other two Credit Bureaus XXXX and XXXX have no problem with my file or reporting information. Equifax his actions are causing me financial harm and hardship please address this matter for me as soon as possible .Thank you.
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AR)

The way my loan payment is setup it is split into groups. If I pay by account, the amount I pay is split by them between the three groups. But it doesn't specify which group is getting what. 

Two years ago I made a large lump payment from inheritance that cut my owed amount in half. And after that I paid an average of {$100.00} payments which was double their {$58.00} recommended amount. 

The {$58.00} was being split between Group A and Group D, with interest rates of 4.5 % ( Group A ) and 3.860 % ( Group D ) while {$0.00} was being applied to the loan with the 6.8 % ( Group B ) rate meaning it was just gaining interest this entire time. 

Since then I've been using the 'pay by group ' option so I make sure some of my payment is going to Group B. 

I've attached the screen to show how they look, but since I already paid for this month it won't show the automatic distribution. I can provide that at the start of the month when the next payment required shows up.
Consumer complaint received 2018-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (WA)

I received a call on my cell from a phony debt collector about a XXXX XXXX account that I closed back in XX/XX/XXXX. At first he wouldn't tell me who the creditor was that was attempting to collect the debt. Then he finally told me it was XXXX XXXX which is impossible because I called them and confirmed that no debt was owed or sold to a collection agency. I was also told by XXXX XXXX that a debt from XX/XX/XXXX would no longer be collectable. He had an old address of mine and tried to use it to show that they " had my information on file. '' He kept pushing me to give him my current address but I refused. 

The call was received at XXXX on my cell from phone # XXXX. When I looked up the number on XXXX there are multiple reports of this being a scam number.