davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with XXXX, Equifax, and XXXX. 

I have asked XXXX, Equifax, and XXXX whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying XXXX, Equifax, and XXXX. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (OK)

In XX/XX/XXXX i logged into online banking and noticed 2 accounts that were not mine. I called the bank to report it and they were gone. I thought it was an error and everything was done. Fast forward 3 years later.. In XX/XX/XXXX the bank of oklahoma started debiting my open checking account that I have had for years and when I contacted them they said it was an offset of funds due to the 2 accounts that I opened and had charged off 3 years ago. THEY WERE FRAUD. not something that I opened. I have been in contact with the bank for 3 months trying to get this taking care of. They are treating me like a criminal and keep saying they determined that it was me. They will not provide any proof that it was me such as a signature card or the funds it was opened with etc.. I have no information on it because i was not me. I recently was told to file a police report when i noticed it was on my credit report but they are just dismissing my police report too. I need help with this. I get {$710.00} a month social security and I should not be paying for something that I did not do and nobody at the bank will listen or help. It is only around {$200.00} but I dont want to pay {$1.00} for something I didnt do.
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (TX)

yes, I try calling numerous times, in XX/XX/XXXX. XX/XX/ and again XX/XX/ explained not my debt, they still call my job, people from my family, they get all information, I asked to validated the debt that they say o owed, they say. they just hung up on me. I already put a fraud alert in my credit report. this so call debt was showing on XXXX, it started to show on XXXX file as of today. this debt have to come off .I don't know what to do, it is fraud. I even call XXXX XXXX, way before it went to diaz and associates XXXX XXXX XXXX. # XXXX, XXXX, ca. XXXX tel # XXXX had it im dispute with XXXX, been over 30 days, have not been deleted and now reporting on XXXX  report. please help me. I appreciated you helping me with XXXX XXXX XXXX was deleted, they saw the error. I am desperate, this is ruining my credit. This company did nothing only theaten me, calling employer. I could have been fire for this. This is aggravating. The debt amount they say I owed is XXXX.
Consumer complaint received 2021-02-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Hello I have been trying to get in contact with all three credit bureaus EQUIFAX XXXX AND XXXX since XX/XX/2020. This is ridiculous I am in the process of purchasing a home and in need of everything reporting on my file to be as accurate as possible and their non compliance with this issue is delaying the process. All the accounts on the attached letter it being the THIRD letter I sent to them have inaccurate information reporting including balances that are wrong. They failed to verify any of these accounts or to update anything so at this point I am distressed and this needs to be removed. I was lenient to not submit a complaint sooner but at this point this is stressing me out.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (CA)

the Economic Incentive payment card I was sent does not work. I can access the Money Network website but I can not wire money out. I can not Activate the card because I can never get a hold of anyone on the 800 line. Therefore, the money XXXX approved is not available to me.
Consumer complaint received 2020-06-04
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$190.00}
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Mortgage refuses to let me make a payment on the forbearance COVID 19 mortgage payments for a 3 month period in 2020 totaling {$4200.00}. 

My credit score is XXXX and I have no debt except this mortgage With Wells Fargo {$260000.00}. 

Wells Fargo is listing the forbearance amount as a unpaid second principal balance of {$4200.00} on my mortgage statement. 

I am unable to obtain a mortgage for another property based on the issue above. 

It was not disclosed to me that I would not have the opportunity to pay this balance off until the end of the loan term which is 30 years. I will be unable to secure any addition financing during my lifetime based on this unscrupulous tactic. 

I want to pay the {$4200.00} balance off. This amount is not an unpaid second principal balance which makes my financial situation look derogatory.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Equifax has wrong information on my credit report to XXXX  XXXX. Report hasnt been updated since 2015. Furthermore Equafax still has old credit that should have been dropped off. They have my credit score so low for what I have been paying to improve my credit but yet has not given me a fair score. There is a report for XXXX for a vehicle that I had co-signed for that has been charged off because the creditor had picked up the car and resold it for their money back. So they wrote it off. Equafax also is reporting a collection that is a repeat collection with 2 different amounts from XXXX one for {$120.00} and the other for {$110.00}. From years ago. This is still reported on XXXX XXXX.
Consumer complaint received 2020-06-04
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00}
Consumer complaint received 2021-02-03
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: AES/PHEAA (FL)

FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7000.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4800.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3700.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$1500.00} I am concerned with the validity and consistency from your latest examination along with the delayed payments with regards to this particular account and exactly how it is reporting on my credit report. Just about 45 days ago I requested an investigation considering the fact that I assumed the item is not being cited recently. To my shock I been given a document showing that your examination was completed and that the item had been " validated as accurate. According to Section 1681 ( g ) take the time to grant me with a description of the technique employed to prove the account is " genuine '' and mail me the name and addresses of persons contacted in every laws in the FCRA.
Consumer complaint received 2019-11-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (MD)

My original loan before this creditor took over was with XXXX XXXX. I took a {$15000.00} loan in 2016 to pay for my final year of schooling. Fast forward I was unable to get a decent job that would allow me to make substantial payments on this loan. I paid a {$50.00} forbearance fee which was already a burden in itself for me. After a while I was simply unable to pay a monthly payment and I continuously tried getting some type of monthly payment that fit my already low pay. My loan went delinquent and was charged off to EOS CCA Collection. From this point on was when this loan was a nightmare. I have interest accumulating EVERY SINGLE DAY! This is so insane! My credit score CONTINUES to plummet because of this. I have tried on several occasions to call this creditor to resolve delinquency by making some sort of payments but they never work with me. I am still out of a job at the moment and I only make enough to pay on my federal loans. I keep pleading with this company to stop adding interest everyday. There is sometimes when they had {$100.00} in interest EVERYDAY! If I am already struggling to pay down the principal, how do you expect me to pay the interest? Now they have threatened that they will take me to court.
Consumer complaint received 2021-02-03
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. (TX)

On XX/XX/2020, ( officially picked up from the Post Office on XX/XX/2020 ) I sent XXXX XXXX XXXX a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt. LETTERS AND TRACKING WILL BE ATTACHED. Also, in the companies prior response, the company stated that it sent me initial notification letters. THAT IS A LIE AS I HAVE NEVER RECEIVED AN INITIAL NOTIFICATION LETTER. Furthermore, YOU ARE REQUIRED TO SUPPLY THE CONTRACT. What else gives me any legal obligation to PAY YOU? A CONTRACT WITH MY SIGNATURE ON IT. Also, on the XXXX XXXX  account, THAT ACCOUNT IS PAID IN FULL WITH THE ORIGINAL CREDITOR WITH NO HISTORY OF DEROGATORY STATUS *Proof will be attached*. ANOTHER THING, in your response to the previous complaint, you stated you ceased all communication and collection activity with me. My letter stated for you to CEASE ALL TELEPHONIC COMMUNICATION WITH ME AND COMMUNICATE WITH ME VIA LETTER MAIL AS WELL AS CEASE ALL COLLECTION ACTIVITY IF YOU CAN NOT VALIDATE THE DEBT. Is this your admittance that you can not validate the debt? To this day, this company has not legally validated this debt and still reports it to the credit bureaus. This company has not answered any of the questions in my letters. Billing statements are not a validation or proof of debt as anyone can create a billing statements. How do you have a billing statement from the XXXX Account and the account is paid in full? How do you have a XXXX XXXX  account and that account ( original creditor ) is not on any my credit reports. Lastly, how do you own accounts that are allegedly mine if the Original Creditor CANT EVEN VERIFY THAT THOSE ACCOUNTS BELONG TO ME.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (KS)

Received credit denial letter from Citibank for credit card on XX/XX/XXXX " Unable to verify info on consumer report ''. Same day got a PIN # letter for a card ending in XXXX. Contacted Citibank # that was on the activation PIN letter. Spent hrs trying to get someone in Fraud Dept to assist. Kept getting transferred or hung up on. Asked for my social multiple times bc I didn't have full card #. Never was able to get someone to tell me anything more than it was a checking acct, not a credit card. Then on XX/XX/XXXX, I received the debit card in the mail, with nothing else but an activation #. Then on XX/XX/XXXX, I received checks in the mail with a letter that states before I use the checks, I must fund the account. These are all for a checking account with Citibank. I do not have any open/active accounts with Citi, and I locked all 3 of my bureaus. When I attempt to contact Citi - it wants me to activate the card, which I refuse to do. A friend of mine just received a XXXX debit card with the same exact situation, and numerous co-workers are dealing with unemployment fraud claims. This is highly concerning, because it could have easily gotten into someone else 's hands to activate in my name.
Consumer complaint received 2022-10-05
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. (TX)

I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MI)

I received notice from Chase bank that my credit card interest rate could go up to 29.99 % if I make a late payment. The US mail has been running slow and other issues could occur due to Covid that might cause a late payment. This interest fee is high, very high like a loan shark.
Consumer complaint received 2021-02-03
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. (LA)

I am disputing information being listed on my credit report. I spoke with XXXX at XXXX XXXX XXXX XXXX about an account being listed as my insurance company collected the money from my XXXX account and paid the hospital directly. I spoke to someone about the account with XXXX XXXX and informed them that my Insurance company has been contacted and will pay the facility directly. They listed it on my credit report stating I owed them for the medial bill in which I did not OWE them I had my insurance company create and pay the bill through their medical system. 

I then seen the information listed on my credit as " Unpaid " and now " Paid " 1. I did not pay XXXX XXXX XXXX .My insurance handled the billing.

2. I informed them that I did not owe them and they need to stop reporting as it is illegal to report false information on my credit report. 
3. They should NOT own this debt as when I emailed XXXX at XXXX XXXX XXXX XXXX she indicated that she will be having someone reach out to the collector and tell them they can't collect or own the debt any longer. 

I sent several emails to the collections agency in which they responded to none of my emails or letters sent. I also copied them in on the letters I sent to XXXX XXXX indicated the account will be recalled from their agency. I again di not pay them so I want this collection off my record. My insurance took care of the money in which I communicated with them and XXXX from the beginning. That XXXX must have miss communications and when they finally settled it they should not be reporting. If you say I owed you money send me a signed contract I have with this collection firm if not REMOVE THE CREDIT LINE FROM MY ACCOUNT. send me a SIGNED contract with my name on it. I am also sending a verification letter to the CB as well for documentation on this account and to see what all is being listed. I will not let people damage my credit reputation due to miscommunication from companies in which I clearly indicated I did not owe any thing to and a contract can not be provided according to the FCRA 611
Consumer complaint received 2019-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar Mortgage, LLC dba Mr. Cooper took over the servicing of new home mortgages in a 55+ community in early XXXX. Most of us closed escrow the end of XXXX. The community is XXXX XXXX XXXX XXXX XXXX in XXXX, CA. Around XXXX of XXXX, Mr. Cooper sent out refund checks and lowered everyone 's mortgage payment indicating to the residents that their Escrow Accounts had been over-funded. Now, in XXXX of XXXX Mr. Cooper sent out a notice to those same residents that beginning with the XX/XX/XXXX payment - everyone 's payment is increasing by hundreds of dollars in order to pay back the current shortage within a YEAR. This increase for me is over {$650.00} per month from what I've been paying {$360.00} a month more than what I initially qualified for. How can Mr. Cooper possibly expect these residents to pay so much more for so long on a month 's notice. Upon scrutiny I discovered these refunds were sent out before Mr. Cooper had even paid the Property Taxes for the first year. Surely a credible servicer would have known that Property Taxes needed to be paid. Their notice ( attached ) indicates there were changes made by taxing authorities and insurance providers which is totally false - everything has remained the same. The problem was caused by Mr. Cooper 's own gross incompetence. I believe hundreds of people are affected, maybe more. Most people are retired, on fixed incomes, many are widowers, and most are unable to pay this outrageous increase and fear they may lose their homes.
Consumer complaint received 2022-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

on XX/XX/XXXX I completed a loan modification application with current Rushmore Loan Services. they confirmed receipt including all of the documentation required but it will take 30 days for them to analyze and determine a answer. 

However, today XX/XX/XXXX i just received a random call from XXXX XXXX XXXX, that my Mortgage loan has been transfer to them. 

I called RUSHMORE, to confirm if this information was accurate and representative stated that this was true but that it wont be in affect until XX/XX/XXXX of this year. 

Even, with a modification process is place.
Consumer complaint received 2021-02-03
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo is inaccurately and unfairly reporting to credit bureaus and causing further debt entrapment to their customers. 

During the lockdown, I requested my loans be entered into a forbearance XXXX and I entered again from XXXX. XXXX did not communicate limits to this and subsequently removed them from this status resulting in 30-60-90 day late reporting. Again, no limits had been communicated to me or my co-signer, despite me making an additional request in XXXX to extend. 

When I inquired when/why these changes places to place, it took speaking to the XXXX to get an answer that wasn't " you need to pay these to bring them current ... that's all we know '' and I waited an additional 15 days to be told they had no intention of acknowledging their lack of compassion, communication, or damage to my credit report. In addition to catching them rack fees in my account and being issued a refund for multiple instances of these fee assessments, I believe Wells Fargo is a predatory bank that should be investigated. 

They are resolving themselves of their place in the student debt crisis and selling their student loan accounts to a third party -- leaving thousands of us with loans nearly in default to instead deal with collection agencies where additional fees will be added. 

This is unfair, inaccurate, and it should be examined further to prevent Wells Fargo from further profiting from it's predation.
Consumer complaint received 2021-03-29
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. (VA)

I recently mailed a letter to Credit Bureaus for disputing items appearing on my credit report, which they maintain. The response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX  OF XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor 10 XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.