davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$1200.00} XXXX XXXX
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NV)

I was told by a XXXX XXXX Bank representative that my account will continue to be in good standing as long as I made a payment in the bank directly before a specific date. After doing so they credit grantor closed my account! The account is showing as a charge off for lack of payment although that is n't true.
Consumer complaint received 2017-05-03
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. (MI)

I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  XXXX  and  XXXX  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by    XXXX   XXXX   XXXX   XXXX   ( "  XXXX  '' ).       An address change request was sent by U.S. Mail to loan servicer   XXXX   XXXX   XXXX  , LLC ( " UAS '' ) on   XXXX   XXXX   XXXX  4. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required . Statements for   XXXX   and   XXXX   XXXX   XXXX   indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these  XXXX  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: INDEPENDENT BANK CORP. (WA)

I am complaining about Rockland Trust Company in Massachusetts. I have a checking account at the XXXXXXXX XXXX, which is owned by Rockland Trust. They sent me a notice of overdraft, which is impossible because I have over {$4000.00} in the account. I contacted them on their website, filled out and emailed a form to close the account on XX/XX/22 and sent a copy of my driver 's license. They have charged overdraft fees of {$35.00} on XX/XX/XXXX, XX/XX/XXXX, and have another pending on XX/XX/XXXX. I spoke with XXXX on the phone on XX/XX/XXXX but he was unable to close the account. I have had an email exchange with XXXX on XX/XX/XXXX again about closing the account. They are also affecting my credit rating because of the overdraft charges on an account with sufficient funds. This is a poorly run bank with a XXXX rating of XXXX. I am a XXXX XXXX and a former member of the XXXX XXXX. Rockland Trust bought XXXXXXXX XXXX probably associating XXXX with wealth and the chance to make big profits. I want all overdraft charges cancelled and the balance in the account sent to me as a check. As a former XXXX XXXX  and a XXXX XXXX XXXX want Rockland Trust investigated for possible illegality.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

I just submitted a claim a few days ago because they locked my card and would not let me access/withdraw any of money, not even at an ATM. 

Now, they informed me they are closing my account and I have to wait 60 days for a check with my funds. This means itll be over 70 days until I can access any of my money. 

Customer service did not give a reason and rudely hung up on me. If i dont get a response soon ill be contacting an attorney. 70+ days of holding my money is awful.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Moore Law Group (CA)

My Complaint pertains to : The Moore Law Group, XXXX. located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Collection Agency ) The Moore Law Group is collecting a debt which started XXXX XX/XX/2020 and I also disputed this debt they claimed I need to pay. But I have no idea or do not know anything about their collection. I have been asking or requesting a copy of the credit card contract/written application who opened the credit card under my name. But what The Moore Law group did was to filed a lawsuit against me. Until now, after various letters to produce the written contract or credit card agreement with the valid signatures was not provided. I believed that they are committing unfair debt collections because that in spite of Identity Theft Report that I submitted with FTC and Police Report they continually insisting on this debt unknown to my knowledge. Also, The Moore Law group involved other people such as my friends with regards to their collection. Their alleged accusations against me does not have a valid proof and I feel that it is already in a form of harassment on my part as well as others such as friends of mine that they communicated about the collection they are doing.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC (TX)

GC Services left messages on my answering machine stating my name and that it was in regards to a debt. I shared my cell phone with my roommates and the voice mail does not state that it belongs to me. The debt collector is also calling my cell phone without my permission.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX I was fraudulantly foreclosed on and have a judgement in the XXXX district court house XXXX by Bank of New York!. I assume forgery involved and the person may have even appeared in court. I never even got a late notice from my lender and the laws are 90 day notice for sale of mortgage and under the same terms!. My lawyer XXXX in the XXXX XXXX office witnessed the mortgage I signed my bank requested him! XXXX, XXXX. XXXX and I had forwarding mail and all in XXXX! Even the tax office knew my new address!
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MI)

I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  30-day and 60-day  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by  XXXX   XXXX   XXXX   XXXX   XXXX  "  XXXX  '' ).     An address change request was sent b y U.S.  Mail to loan  servicer    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  "  XXXX  '' ) on  XXXX   XXXX ,  XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for  XXXX  and  XXXX  of  XXXX  indicating a payment amount due were sent to an invalid address. Thus, no payment was made for thes e two  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     In  XXXX   XXXX , I contacted   XXXX   and   XXXX   regarding this matter seeking adjustments to the report on goodwill grounds and factual accuracy basis. Both companies acted unreasonably in denying the request.  XXXX  even questioned the veracity of my explanation.
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

I don't have the exact dates but back around XXXX or XXXX I moved into some apartments in XXXX, TX and began to have trouble with staff they ran into my car with a cart I called the police and started having people throw stuff at car but ultimately had to leave had a parent with XXXX to take care of because my mom could no longer care for him she had XXXX. Left the apartment in good condition after staying there for 7 months no property was destroyed. Had one time XXXX XXXX XXXX XXXX XXXX XXXX but it was due to XXXX. I received a call from hunter Warfield collection agency saying they were going to sue me if I did not take care of it, but I received an outrageous bill like property had been destroyed which at the time I had pictures that I had taken before I left. Then now like every one or two days they are increasing the money I owe like they are trying to destroy my credit it's way to old for the amount to be increasing. I think they are literally doing it on purpose I have never seen anything where they increase balance owed every two to three days on credit report monthly maybe but this is illegal.
Consumer complaint received 2022-10-15
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 — Investigation took more than 30 days
Company: Colony Brands, Inc. (WI)

according to the XXXX15usc1681 section, 602h is hurting my credit file please remove the following items tomorrow and main # XXXX
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arena Investors, LP (CA)

I received a letter from North Shore Agency about a debt that is not mine. It says I owe money to XXXX XXXX for {$19.00}, but I have never heard of this company and have never done business with them. 

The letter states I can dispute the charge electronically at XXXX. However, this is not a valid website and I can not exercises my FDCPA dispute rights.
Consumer complaint received 2022-11-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (WI)

I have XXXX private student loans which have been included in many lawsuits for private loan forgiveness as the school has been convicted of fraudulent activities, misleading students, and providing a subpar education. By these actions and through the lawsuits that have taken place over the last 3 years, these loans qualify as such that should be XXXX under the ruling from the judge. The Navientagsettlement.com provides more details, however a {$200.00} check does not resolve the fraud from the loan company, or the fraud commited by the schools.
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit act XXXX XXXXXXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IA)

On  XXXX / XXXX  /2017  I called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX on my behalf XXXX XXXX XXXX mailed a check for {$5600.00} to the address Citibank gave to them : Citibank Express Payments XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The tracking # was XXXX XXXX. Shows delivered on XX/XX/XXXX at XXXX, receiver signed as " XXXX ''. I have the cancelled check, which cleared XXXX on XX/XX/XXXX. Since XX/XX/XXXX I have been in contact with customer service at Citibank via the phone number on the back of my XXXX XXXX AAdvantage Mastercard- XXXX to inquire why this check has not been posted to my account, multiple time over the last 2 1/2 months. I have record of who I talked to each time, and what they told me, if you need that information. I have faxed a copy of the cancelled check at least 6 times, to 4 different fax numbers. I have mailed my documentation to the PO Box I was given ; tracked it ; it was at the PO box on XXXX. ( XXXX XXXX XXXX XXXX XXXX SD XXXX ). This most recent interaction I talked with a " supervisor '' by the name of XXXX XXXX from Missouri. Each time I have been told that a person will call me back- they NEVER call me back. This has happened with at least 3 different " Supervisors '' including one from Payment Investigations. I have been paying Citibank and XXXX BOTH for this money and paying interest to both. I am completely frustrated as to WHY Citibank continues to tell me that I do not have enough documentation for my claim ( which they send via letter ). Can anyone help me with this?
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Hi, my name is XXXX XXXX and I have a serious problem with a bank wire transfer. 
I have dual XXXX  and American citizenship. At the moment I am in XXXX where XX/XX/XXXX I asked my American Bank Wells Fargo, via online banking, for a wire transfer of XXXX dollars to my XXXX  bank account XXXX XXXX account. I received email confirmation from Wellsfargo where everything was ok and being processed in 5 business days Today, XX/XX/XXXX, those money reappeared back on the US account with a lower amount of {$18000.00}, minus {$810.00}. 
In addition to the missing amount, I find myself in XXXX with no money I need to live, and I'm afraid to make another transfer because the same thing could happen. I contacted Wellsfargo bank customer service and they tell me that there is a third bank in XXXX that has blocked this wire transfer for reasons they don't know of, and that bank wired the money back with that {$810.00} fee. But they were unable to explain anything else, who the bank is and why that happened. Wellsfargo takes no responsibility. The Italian bank never received anything. What can I do? I need money here to live and I have no help and no number to call. 
Can you help me somehow? 
My phone number is XXXX and my email XXXX My name is XXXX XXXX.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (MI)

I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with you. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character.
Consumer complaint received 2015-07-08
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (CA)

They have repeatedly called my work phone -- over XXXX times in a single afternoon. I am at work and need to focus on working, not answering their calls. They would call my cell phone, then my work phone, then my cell phone again, etc. This is utterly distracting and I will call them back when I am not in a work setting -- which is completely unprofessional.
Consumer complaint received 2021-10-03
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: Experian Information Solutions Inc. (TX)

In 2017, credit cards and files were stolen for identity theft, false pretenses, forgery and fraud by a XXXX XXXX XXXX. The cards were XXXX XXXX and XXXX among others. The forgery was with XXXX XXXX XXXX XXXX. In addition, Experian did not have my permissible permission to give out my credit report to XXXX XXXX XXXX XXXX for the forged loan. I filed the attached sheriffs report in 2017 against XXXX XXXX XXXX and was supplemented as reflected in attached supplement. Also attached is a Judgement of Conviction which the thief and forger, XXXX XXXX XXXX, plead guilty and mentioned my name and card on page 4 of this legal document. The bottom of page 4, also references the fraudulent claim I had filed.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (NY)

BBVA XXXX closed my accounts out of the blue with no explanation. 
To my knowledge nothing happened with the my accounts that that could result in that. No bounced checks, no negative balance accounts, nothing. That they do n't even care to explain leaves every possibility open, including but not only discrimination
Consumer complaint received 2016-11-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (FL)

On XXXX XXXX, 2016, my XXXX XXXX was involved with a accident that occurred as the result of the gas accelerator sticking. The car has been in the dealership since that time. GM failed to respond to my request to investigate the situation until XXXX XXXX, 2016. The problem is that I am still having to pay a month lease payment and weekly car rentals of XXXX week. I called to see if GM could defer the payment of nearly XXXX per month and I am told that they do not defer payment of lease vehicles. Is there something that can be done because I an suffering financially?
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

I am a first time home buyer and home mortgage, XX/XX/2021 I was working with XXXX lender for Home financing and I contacted rocket mortgage to check if they are giving me better option both in terms of interest rate and closing costs. XXXX XXXX from Rocket mortgage contacted me via phone and asked for all details including loan estimate copy from XXXX. I gave all details and XXXX gave me their loan estimate, rocket mortgage was offering same interest rate as 2.75 with around XXXX in other credits for my closing with loan origination charges as XXXX dollars and XXXX has only XXXX dollars as origination charges but does not offering any other credits. I have asked XXXX about those charges and he explained me, I got XXXX president approval for you to give XXXX other credits. With all discussion, I have said yes to rocket mortgage to move my application further because of XXXX main reasons, less mortgage insurance and less closing cost due to XXXX in credits. 
XX/XX/2021 when final closing got disclosed to me before 2 days of closing, other credit was not included and even I have asked repetitively all credits applied correctly. 
XX/XX/2021 I have asked them to check this and they are investigating this matter and initial discussion was not positive and XXXX is working on this matter.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (AZ)

Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from XXXX XXXX. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.