davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
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. (CA)

Today XX/XX/2020 I went to a dealer to purchase a new vehicle when they ran my credit I didnt get approved because I apparently I had some negative accounts & a few inquiries on my credit report. I wasnt sure what they were talking about so i looked at my credit report myself & sure enough I saw 3 accounts & some inquiries on my report that arent mine. I did not open these accounts nor did approve of these inquiries. I have never allowed anyone to use my personal information to open any accounts in my name. I am not affiliated to any of the companies lised on this report nor have I ever opened an account with those companies. I did not get anything out of these accounts that were opened such as money, services, goods or any other benefit ; I have never contributed to any payments made towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report regarding these suspicious accounts and inquiries.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (TX)

I applied for a credit card from Citi 's website, the XXXX XXXX. On the website when I applied, it stated that I needed to spend {$1000.00} in the first four months to get the XXXX bonus points. When I satisfied this condition, I did n't receive any bonus points and when I asked them why they claimed I signed up for a card that only paid out a bonus when {$2000.00} of spending was hit. -- Had I been told at any point after I applied that I signed up for a card with a {$2000.00} target, I could have accommodated that, but nowhere in my card member agreement or welcome letter or email did it mention that I needed to spend {$2000.00}. My complaint is that Citi is doing a bad job of informing customers of how much they have to spend to hit sign up bonuses after they apply for the card. This is probably so they can have as few variations of letters/emails as possible, but it feels like a bait and switch - I thought I had to spend {$1000.00} to get a bonus and nowhere did Citi say otherwise until six months later when I messaged them and asked where my bonus was.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

My mortgage company, Ditech, withheld funds I paid for the mortgage in an unapplied account because they changes the escrow amount. I was n't notified and no change showed to the amount paid on my account on the website. The company then repeatedly made derogatory marks on my credit report while I was trying to contact them to get responses. When they finally responded, they said they were holding my money in a separate account without my knowledge.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (NC)

My husband and I both received letters from AFNI, both letters dated XX/XX/XXXX. Both letters stated we are liable for payments paid out on an insurance claim from XXXX XXXX, from a chain XX/XX/XXXX. 
I responded with two letters ( one for my husband and one for myself ) via certified mail asking for validation of the debt. On XX/XX/XXXX, my husband received another letter saying we are liable for such debt and the letter had no validation included, even thought the letter says " please review supporting documents '', the document was a form they wanted us to fill out asking for our insurance information. 
I proceeded to send yet another letter XXXX, asking for debt validation. Today XX/XX/XXXX I receive the same letter with no validation of debt. 
I am sending a letter back via certified mail disputing such debt as they can not vadliate the debt.
Consumer complaint received 2021-01-05
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (MA)

Quicken Loans / Rocket Mortgage Loan Number : XXXX are braking the federal law! Per Cares Act Page H.R. 748-210 ( act ( 50 U.S.C. 1601 et seq ) it is required for Quicken Loans and or my Mortgage Servicer Genny May to report to all three of my credit beauros as " CURRENT '' as per my personal conversation with XXXX XXXX Pier Servicing Escalation Specialist Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I am being told that even tho as the factually recorded line of credit states current status and always has been current prior to my entrees in to forbearance it will show and further be reported as " suppressed " means " nothing "! Cares act also states that this line of credit will not hard my credit history in any way! FACT! my LTV on all of my accounts will stay the same so if in fact this particular line of credit will show anything other then what is written BY USA FEDERAL LAW i will consider this action as A BRAKE IN THE LAW BY QUICKEN LOANS! EVERYTHING ON MY END HAS PROOF AND IS RECORDER! AS WELL AS QUICKEN LOANS ON THEIR WEB SITE DO NOT AND I REPEAT DO NOT GIVE A FORMAL OPTION TO PUBLIC TO OBTAIN 180 DAYS OF FORBARANCE AT FIRST INNITUAL REQEST BY CUSTOMERS! I WANT THIS INCIDENT PUBLISHED ON consumerfinance.gov so that others can learn from my experience! i AM IN SEARCH OF BEST PERSONAL ATTERNEY TO HANDLE THIS CASE AND WILL AWAIT FOR ONE / FIRST ONE MARK ON MY CREDIT BY QUICKEN LOANS OTHER THEN CURRENT! I WANT YOU CFPB TO CONTACT THEM AND LET THEM BE AWEAR OF BRAKING THE LAW! AND MAKE SURE THAT THEY ARE NOT BRAKING THE FEDERAL LAW ON MY PERSONAL RECORD! THIS FOLLOW UP HAS CAUSED ME ALOT OF STRESS AND MENTAL AS WELL AS PHISICAL PAIN AND SUFFERING IN THIS DIFFICULT TIME OF EPEDEMIC WHICH SHOULD BE A SIMPLE TASK TO FOLLOW THE FEDERAL CARES ACT LAW! PLEASE LOOWUP WITH ME MY CELL PHONE OR EMAIL!
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 — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Please promptly remove the phone number XXXX as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (OH)

Citibank was charging me interest at a penalty rate when the account should never have been in penalty status. No payments had been missed. I was making payments weekly of {$200.00} which was more than the minimum due however the system would show it as late. Even still after 1 year of the penalty rate they still charged it past the time allowed per the terms. I never was notified of the penalty rate and realized the interest rate when I was checking the statement as I noticed since the card had very little use and should be at a lower principal balance because of payments being made are well above the minimum due. They have " cured '' the account now after further investigation with the interest rate and even the representatives have said they ca n't understand why it went to penalty pricing as it should not have. When I asked for a credit for the interest calculation for the error they have done I am getting no where and they are laughing at me. Also the penalty pricing was placed during a time that I reported fraud to them and requested a credit for it. They put the account in penalty APR when the fraud happened and never should have happened.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

My husband and I filed a chapter XXXX bankruptcy in XXXX. The original case was dismissed because our attorney did n't follow proper procedure. The case was reinstated under a different case number and the case discharged in XXXX. In XXXX the dismissed and discharged cases fell off our credit report as they should have after 7 years. 2 years later the dismissed case has come back onto our credit report for Equifax. Equifax is refusing the delete this public record from our credit report.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (MA)

Quite a few year 's ago I had helped out a friend and put her cell phone in my name, which was a huge mistake. I found out a few year 's ago when I went to go purchase a cell phone of my own that I could not purchase it because someone had been using my information. I knew it was not me because I had no cell phone at this point. I now I see on my credit report information of an address that is not mine and I am terrified that someone is using my information.PLEASE help.
Consumer complaint received 2020-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

XXXX of 2020 i had a number of transactions affect my bank accounts and my credit cards. 
unfortunately i had my wallet stolen as well. i have had my bank account loose about XXXX i have reported this with Wells Fargo but due to the loss of my identification i have not been about to recover. i have contacted life lock as well but since my account has been closed i have had no luck improving my situation other then my own due diligence
Consumer complaint received 2018-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CA)

I purchased a car from XXXX XX/XX/XXXX. At that time I set up auto pay for my loan. In XXXX of the same year, I started getting calls from my salesperson re : the need for additional bank statements. XXXX is the bank, so I called the bank and they stated they needed no further information. 

I have made no late payments, but they reported me late XXXX of this year due to XXXX XXXX  reversal of all duplicate payments. 

I called numerous times to resolve the discrepancy to no avail. 

Just this month I paid my payment at XXXX. I gave them the account # XXXX, given to me by the collections department this past XXXX where they also had me pay several late payments. 

I learned this month that thst is not my account # at all. My account # is XXXX. 

No payment history has been provided to me as requested.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACCESS GROUP INC. (OH)

I attended law school from XX/XX/XXXX-XX/XX/XXXX. I took out Stafford subsidized and unsubsidized loans each of the  three years. In XX/XX/XXXX, I consolidated my XX/XX/XXXX loans with XXXX ( Access Group ). In XX/XX/XXXX, I  consolidated my XXXX loans also with XXXX  ( Access Group ). With both consolidated loans, they remained in forbearance until I graduated in XX/XX/XXXX. When I signed up for the consolidation, as an incentive for consolidating with XXXX, I was promised a 1.00 % rate reduction upon 36 on-time payments. Unknown to me, by consolidating the loans at the time I was still in school ( and in forbearance ) it made me permanently ineligible for the 1.00 % reduction. My loans were transferred to XXXX, and then recently to XXXX. Only now that the loans were transferred to XXXX did I learn that I have not been receiving the reduction for the last 8 years because of the in-school forbearance. Had I known of the permanent ineligibility for the reduction, I would not have consolidated with XXXX at the time that I did- I would have waited until after I graduated.
Consumer complaint received 2022-10-11
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)

XXXX XXXX XXXX  # XXXX Another inaccurate reporting in my credit... high balance XXXX XXXX$0.00}, equifax {$520.00}!!! Date of Last active experience XX/XX/2017 while equifax XX/XX/2017... XXXX REPORT..PLEASE DELETE!!
Consumer complaint received 2020-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

My previous mortgage company was XXXX XXXX XXXX. In XX/XX/XXXX, I received a generic letter stating that the loan was being transferred to Rushmore Lending, that is all the letter contained. I contacted Rushmore and explained that a third party ( XXXX XXXX ) was making mortgage payments on my behalf. I was  told that nothing could be done at that time due to not having a full transfer and an account number. I was assured that once an account was established I would have sufficient time ( three months ) to get back on track. 

I contacted Rushmore in XXXX, they still did not have an account number. XX/XX/XXXX, I was contacted for payment from Rushmore. I explained again about the third party payments and asked for an account number. I contacted XXXX XXXX  provided them with the account number and they reached out to Rushmore for the amount needed to bring the account current. I followed up with XXXX XXXX  at the beginning of XXXX and was told that Rushmore had not responded to their request. During this time I have received multiple phone calls, at least two packets of foreclosure documents and recently ( XX/XX/XXXX ), a representative left blank debt paperwork on my front door ( violating the Governor 's Executive Order ). I contacted Rushmore Lending ( XX/XX/XXXX ) about the harassment and they did not deny it. I demanded that they stop. 

XXXX XXXX  has paid Rushmore Lending dated {$1900.00} for the months of XXXX. Regular payments in the amount of {$650.00} will begin XX/XX/XXXX. 

The following is a copy of the email that was sent to me from XXXX XXXX. I can submit the original email if I am provided an email account to send it to. 

XXXX  Important Notice Inbox hhfcustomerservice XX/XX/XXXX, XXXX XXXX  to me The Illinois XXXX XXXX XXXX. 

This is to notify you that your Servicing transfer is complete and that XXXX  resumed making mortgage payments on your behalf. 

Reinstatement Payment : {$1900.00} Date : XX/XX/XXXX Monthly Mortgage Payment : {$650.00} Date : XX/XX/XXXX *Estimated Final Assistance Payment Date : XX/XX/XXXX A program conclusion notice will be sent in the mail after the last payment is made. You are responsible for your mortgage payments after the Final Assistance Payment Date. Effective, XX/XX/XXXX resume-making payments to your servicer. 

XXXX-Customer Service XXXX My account is current, but they continue to harass me. This is unacceptable and I need it to stop immediately.
Consumer complaint received 2021-01-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FORD MOTOR CREDIT CO. (TX)

XX/XX/2021 I received a phone call from a man saying they were with XXXX XXXX looking for me. They obviously examined the inside of the residence to conclude I was not there. They needed me to call back for them to hand me papers etc. next I get a call from a lady on a different phone number asking about my auto loan debt and said that she had a guy looking for me ( Im assuming the XXXX  XXXX guy ). The call drops and I get a mean voice mail saying legal action is being taken against me. She said she is going to report the car stolen if I dont call back in 15 minutes. Obviously it clicks that its a repo company that represented themselves as XXXX XXXX to get me to call and give them my whereabouts. I am out of town, the vehicle is with my sister. So I call back and give them the address where its being held. They used scare tactics and threatened to take legal action.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sell chicken coop and 12 hens on XXXX {$400.00}. The buyer sent me a cashier check via XXXX, {$1900.00}. I asked her why sent me so much, she said this money was included the movers. She push me to cash the check and text her back to let her know, On XX/XX/XXXX, I brought the cashier check {$1900.00} to BOA in corona to cash it, the banker did not verify the check was good or not, the banker did not verify the check was authentic or not, the banker did not ask me any simple questions regarding the check, he gave me {$1900.00} cash. Then I texted the buyer said I just cash the check, the buyer want me XXXX {$1500.00} to her and take screen shot send to her. I did. Her name was XXXX XXXX. Then after I finished XXXX the money I went home, I talk with my friend, she want me call XXXX XXXX back, but her phone was disconnected. In that moment I realized I was scammed. On XX/XX/XXXX, the bank took out {$1900.00} from my checking account. On XX/XX/XXXX, I called law enforcement police department in XXXX XXXX. I spoke with officer ( cousins ) he said the bank failed to verify the check is authentic or not, the bank failed to verify the check good or not, the bank failed to ask me any simple questions about the check, this is internal issues of bank system, on XX/XX/XXXX, i came back to the BOA in corona with my friend. The manager spoke with us. She admitted that her employee was new and not knowledgeable to verify the check. I am boa member for 20 yrs, and I also a victim in this scammed. I thought I have FDIC of boa protect me, I would like the boa and FDIC credit all the money back to my account. I was stressed and depressed, I felt XXXX, I dont have enough money to pay mortgage, I am hardly survive, I also emailed the FDIC about this issue, I would like the Bank of America and FDIC credit back money to me. If not I will take legal action. Please respond ASAP thanks
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (VA)

I made an extra payment of {$200.00} on my Chase VISA card. Due to a circumstance I still do n't understand, the money was not there and so the deposit did n't go through. Now Chase is holding my deposits for UP TO TWO WEEKS after it receives my money before it makes the money available to me. This is ruining my credit because I have automatic payments coming from the card. I have had this card since 2001 and this is the first time to my knowledge that this has happened. Chase now says they will do this for UP TO SIX MONTHS. This is outrageous. What right have they to hold my money and make money off of it instead of making the money available to me once I pay my bill?
Consumer complaint received 2021-01-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

My complaint is in regards to the high interest rate that i am being charged which is making it impossible to pay off my student loan. Majority of my payment is going into the interest which a small portion being applied to the principle. Furthermore, when i was making my payment plan several years ago, Navient did not take interest in providing a plan that would benefit me in the long run. Furthermore, I work for a non-profit organization for the past 7 years. Navient was not forthcoming on the loan forgiveness plan that i would have qualified for.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (MD)

Back in XXXX I sent 2 XXXX payments XXXX XXXX! She has A chase account I have XXXX  my complaint is with Chase fraud service! 
XX/XX/2020 I sent her XXXX conf. # XXXX Chase blocked the transaction but hasn't returned my XXXX as of XXXX XX/XX/2020 I sent the XXXX again conf. # XXXX it was blocked again! Chase still has not returned this XXXX! 
She has talked to them I have talked to them multiple times as well! There response was well we have up to 45 day to return the money! Company policy! Not good since it was a XXXX transaction it should've been returned immediately! I am still waiting for my money to be returned! How do I give them a negative mark on their credit for nonpayment?
Consumer complaint received 2021-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo has locked me completely out of my XXXX account while they switch vendors. I am not able to allocate my funds at anytime during a 2 week period. If the market fluctuates, I have no control over my retirement funds. This is unacceptable.
Consumer complaint received 2016-08-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Nationwide Debt Management Solutions, LLC (WA)

I fully paid the loan and XXXX continued to try to collect more money. They have now sold my information to Nationwide Debt Management Solutions. I advised NDMS that I had paid the loan ( {$3000.00} for an {$800.00} loan before I closed my account ) and not to call me. They are calling me at work and I am going to lose my job if they do not stop. Today they faxed over and employment verification with my social security number on it to a fax machine that everyone in the entire company has access to.
Consumer complaint received 2021-01-05
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: Exeter Finance, LLC. (GA)

XXXX credit bureau is reporting inaccurate information on my credit report.I have resolved the issue with XXXX  and XXXX. The accounts are listed below : 1 ) EXETER FINANCE LLC Account number XXXX XXXX ) XXXX XXXX Account number XXXX 3 ) XXXX XXXX XXXX  Account number XXXX 4 ) XXXX XXXX Account number XXXX XXXX is also reporting multiple inquiries that don't belong to me. 

1 ) XXXX XXXX XXXX XX/XX/2020 2 ) XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020