davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
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. (OH)

In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled onXX/XX/XXXX. This information has been removed from my XXXX  and Equifax file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at XXXX XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, XXXX has received a copy of the complaint that you filed with the XXXX. At XXXX, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, XXXX sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with XXXX after not receiving a payment from you in over 90 days. We never received a payment. XXXX sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete XXXX will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

XXXX XXXX increased my $ XXXX  monthly payment to {$150.00} with no notice, and will not allow me to lower the rate back down. I don't make enough money to pay that, and only want monthly payments of {$100.00} at a time.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AL)

Hi to whom in concern, I have received late payments from Navient for XX/XX/XXXX, and I am devastated. I never received any notifications or anything indicating that I was responsible for a payment due to the nationwide deferment of student loans. According to Navient 's website, " Federal student loan flexibilities for the COVID-19 emergency have been extended at least through XX/XX/XXXX ''. So how was I 90 days late for a payment that was not even due? It has destroyed my credit score. Im currently in an income based payment plan as of XXXX. It wasn't brought into my attention that I was late until XXXX. I do not understand. My payment were held off due to the pandemic, yet I have received penalties. How could I be punished at such a time like it is with everything going on with this horrible virus, and this pandemic that has effected millions. Again, I am completely shattered. Please fix this situation! 

Thank you for your time on this matter.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AL)

My Costco Citibank credit card has a cash back reward program. They send a check that must be redeemed for cash or check in the Costco store. As a result of Covid, I do not go into Costco. I fall into a high-risk category and isolate at home. I contacted Citibank to see what accommodation could reasonably be made in the term of a account credit or mailing a check that can be negotiated through my bank. They refused to make any accommodation, and stated that as a matter of policy, they were requiring individuals to go into the store to cash their check. During Covid they shouldve made a reasonable accommodation to my XXXX, this policy is both unfair and abusive. Citibank has many alternatives available to them to provide relief to the consumer and allow them access to their much-needed funds. I do believe that this deceptive policy has been put in place to limit the payouts under this program as the funds will expire at the end of 2021. I asked them for an accommodation and they refused, I further asked them to register my complaint for their internal system. I asked if it were possible for a family member who I designated with appropriate ID, I could make this transaction for me and they stated that I had to be there in person. There is no ability to retrieve my funds without my physical presence inside their store I asked for an escalation of this problem to a superior, and they said there was no escalation opportunity. I am requesting that the CFPB include this complaint in their review of Citibank Covid response and customers forbearance efforts.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/2020 I was charged the annual fee for my Barclay Arrival+ credit card. In light of the COVID-19 situation, a premium/travel credit card does not make much sense to have, so I wanted to downgrade to a no-annual-fee version. This is not an uncommon request that Barclays grants, sometimes with a retention bonus for downgrading instead of closing. See references : - https : XXXX - https : XXXX - https : XXXX I have called customer service many times without being able to get past the hold queue. Call log as follows : XX/XX/2020 0.5 hours XX/XX/2020 1.75 hours XX/XX/2020 2.5 hours XX/XX/2020 1.25 hours XX/XX/20202.5 hours XX/XX/2020 2.0 hours XX/XX/2020 1.75 hours XX/XX/2020 3.75 hours Simultaneously, I also submitted my request using their online portal, but the reply indicate that they were unwilling or unable to perform my request through that route.
Consumer complaint received 2021-07-08
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-01-22
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very serious about filing a lawsuit if this is not removed ASAP!
Consumer complaint received 2019-02-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX and XXXX  XXXX
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MO)

On XXXX my account was fraudulently charged multiple times by a company I have no relationship with, XXXX XXXX. My bank, Chime contacted me and told me my account had been breeched and they were sending me a new card. I submitted a claim for the fraud and received a provisional credit on my account. I have now been informed that some of the charges that occurred from the same vendor at the same time were valid, when they clearly are not. Their customer service has been abysmal in dealing with this.
Consumer complaint received 2021-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (PA)

I have written multiple letters to this company asking them to identify themselves and explain why they are on my credit report, they have not responded. I have rights! The FDCPA and FCRA are both extremely clear! They have to send me information. PLEASE HELP ME!
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (GA)

There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are showing Inaccurate Late reportings : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) Bal : {$150.00} ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : XXXX ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( 2 TIMES ) XXXX  XXXX XXXX/XXXX   XXXX/XXXX  ( 2 TIMES ) XXXX XXXX/XXXX  ( 2 TIMES ) XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (WA)

This complaint is to Volkswagen Financial service www.vwcredit.com My bank XXXX XXXX XXXX XXXX sent a check to Volkswagen financial on XXXX of XX/XX/2021 and Volkswagen financial received my pay off check on XX/XX/2021 and the check was cleared on XX/XX/2021. The check amount is {$20000.00} and the XXXX tracking is XXXX. ( which shows when they received my check ) I called VW before my due date on XX/XX/2021 and in between I talked to 5 VW representatives and the issue still has not been resolved. I even sent them the check copied on XX/XX/2021 to show they have cashed my check on XX/XX/2021. 

This doesn't not look good on my credit report because so far my VW account is still showing I did not pay off the VW lease and I have another loan with XXXX XXXX XXXX XXXX. 

They wasted more than 5 hours of my time in total and still not willing to take any ownership or actions to do the right ethical way to pay off my lease. I provided additional check image to show they cashed my check to XX/XX/2021. They still did not resolved the issue. They are doing unethical business by not reporting the proper data to the credit bureau agencies. And I have to buy a property in the new few months.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (MO)

Avante USA is falsely reporting that I have an account with them for the original creditor XXXX. I have no contract nor any business with Avante USA or XXXX XXXX  XXXX. There is no account number to this account. I have no verification of me having a debt with any of these listed creditors. It's listed that I have a balance of {$2200.00}. It states that the account is open but it's placed for collection.
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (UT)

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Consumer complaint received 2022-05-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I used the wrong bank account to pay a bill, when I alerted them and told them to STOP and I will pay from a different account, they said their system tries to automatically withdraw it 3 times. Each time Citi tried to withdraw from my bank would incurr a {$30.00} fee for insufficient funds. I tried to pay the bill online but CITI 's system won't allow overage pay, so I couldn't do that either. In the end, I was out {$90.00} in fees from my bank, {$29.00} in fee from Citibank.
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AL)

National Credit Systems is reporting negatively to my credit report concerning a lease that is in dispute. The lease was disputed with National Credited systems on several occasions and one some occasions a representative of National Credit Systems hung up the call before a resolution or completion of the complaint national credit systems claims that lease provided says I should be charged for residence I was not living after completion of lease I told National Credit Systems that was not on my lease and information they provided was inaccurate only to be hung up on again and to have a collection show on my credit report
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (MI)

I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. They are in violation of 15 USC 1681a ( 2 ) ( b ). As you may know, this law prohibits or excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As a result of the credit reporting agencies not abiding by the laws that empower the consumer, I have been constantly denied credit. Thank you for your manners in addressing my dire situation.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (LA)

On XX/XX/XXXX my employer contacted me with a telephone number to call. The telephone number was XXXX for XXXX Support Services. XXXX XXXX was the name of the person. Before I could call the number, I received a couple of phone calls from a man telling me that a lawsuit had been filed against me for an outstanding debt. He informed me that my wages were going to be garnished along with a lien placed upon my home. He could not give me any information other than to call the telephone number and speak with someone at the XXXX XXXX XXXX XXXX XXXX XXXX. When I called, the lady on the phone began to tell me that I owed $ XXXX for a Citicard that I opened in XXXX. She said it charged off in XXXX and that I had to pay at lease a little over {$5000.00}, but I could counteroffer the amount. I knew that I had failed to pay the card when I was younger and thought that it must be legit. The lady had give me my social, driver 's license number as well as my wifes. They also had a list of utilities that we have. I countered with {$2500.00} and they countered again for {$3000.00}. I was fearful that they would do the things they said that they would do such as ruin my credit, garnish my wages, and put a lien against our home so I paid {$1000.00} on my credit card and {$2000.00} on my debit card. After I disconnected with them, I began to search for their information online and there was nothing that I could find. Also, the money shows that it was to a bank called XXXX in XXXX. I contacted the Texas Attorney Generals Office and Louisiana Attorney Generals office and both informed me that it sounded like a scam. My bank told me that I would not be able to get my money back due to it being authorized.
Consumer complaint received 2020-06-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WI)

XX/XX/2020 i started a refinance on my primary home. BSI holds a mortgage to an additional home that i own jointly with my mother. They refuse to release any verification of mortgage. I signed the release with my lender on my primary home which was sent to them, then i signed an additional release for BSI. My mother has also signed a release with BSI. I have called and left messages that don't get returned, and over the course of 3 weeks i have spoke to 5 different customer service reps who have different answers as to why they won't release verification of mortgage to my current lender. Most recently i was told that my mother filed bankruptcy, and the house was not included in that filing, and due to that they don't have to release verification of mortgage.

Payments are made monthly to BSI financial. I
receive no confirmation, no receipt, no monthly statements. Im not sure that the payments are being applied to the mortgage, and the customer service associates can't sent me anything to show payments received or applied.

I have been denied my verification of mortgage for 7 weeks now and it is causing a significant amount of problems in me refinancing my home.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

americollect inc is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. ( copy enclosed ) because I do not belleve I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.