davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (GA)

My issue is with XXXX  's continued use of two accounts on my credit file. They are XXXX XXXX XXXX and Midland Mortgage. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time XXXX XXXX account was closed on XX/XX/XXXX and Midland Mortgage  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted XXXX  to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with XXXX and Midland! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.
Consumer complaint received 2019-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

I have a heloc account with my rate as Prime minus 1.1 % When the Federal Reserve raised the rates, PNC followed suit. However, when the Federal Reserve lowered the Prime rate a couple of months ago, it did not lower my rate. My rate currently is 4.4 % and Prime is 5.25 % As a result, I have been paying higher interest rate for last several months.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Macy 's sent my acct to Collection to XXXX XXXX XXXX , XXXX on XX/XX/XXXX for a debt of {$310.00} ( including fees charged and interests charged ). Regardless the account was canceled by credit grantor, Macy 's is continuing using an unfair practice to charge interests and fees to my account they already closed. When I received a letter from the Collection agency, I called them on XX/XX/XXXX offering a settlement. According to Citibank-XXXX XXXX XXXX, XXXX the amount raised from {$310.00} to to {$390.00} in only one month. I offered a one time payment of {$230.00} ( 60 % of the new debt or 75 % of the original debt of original debt of {$310.00} ). Unfortunately, XXXX XXXX XXXX , XXXX did not want to agree with the settlement and after several calls I dropped the ball. 
Additionally, on XX/XX/XXXX, my account has been recalled by Citibank , N.A . and XXXX XXXX XXXX , XXXX is no longer being serviced by them. 
I made an offer and the collector refused to back down. It is no illegal, but may violate the companys policy for which the collector is working. Normally, Collectors are paid on commission, which is their motivation for collecting as much as possible. XXXX XXXX XXXX , XXXX wanted to get another month past due to get a higher commission. Additionally, I asked to talk with a Supervisor and repeatedly told me that a Supervisor was not available. Finally, when I talked with the Supervisor the amount had increased and my request denied. 
This bad practice collection has affected me an increasing disproportionately this crippling debt. 
Macys changed on XX/XX/XXXX to Citibank, N.A./Department Stores National Bank as a new collector. Obviously, Citibank did not offer any new way to resolve this issue and my efforts were completely invalid. Every time I wanted to talk with Macys they transferred the call to Citibank. 
Unfortunately, the amount has increased every month and according to the last statement released by Macy 's, the actual debt increased to {$500.00}. As a consumer, I requested the protection from the Bureau of Consumer Financial Protection for this unfair practice given by Macy 's with a customer who is retired and the account canceled and sent to collection on XX/XX/XXXX. 
Macys should resolve this issue in a fair practice with the consideration of my initial offer to settle the account for the amount of {$230.00} and CFPB implements and enforces federal consumer financial laws to ensure that all consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive and not charged with abusive late charges and interests.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

Mr. Cooper is my second mortgage on my house. I have sent them financials and request for mortgage assistance and I have had a hard time with them processing my request. The have declined my request and didn't give a reason for the denial, letter states I need to sale my home if I can't afford my home. I feel I'm being discriminated against because of my age and I'm a XXXX elderly man. Under the Consumer Protection or Flex modification the mortgage company is suppose to assist the homeowner with staying in their home. I don't want to lose my home to foreclosure. 
I'm on a fixed income and I can afford my home. 

Please Help
Consumer complaint received 2022-07-15
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. (FL)

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have 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 instruction or consent.
Consumer complaint received 2020-05-14
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX
Consumer complaint received 2019-09-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CHECK INTO CASH INC. (IL)

Ive taken loans out with Check Into Cash before and have not had issues until this most recent time. They were to take out about XXXX every other week, on my payday directly from my checking account. 

It ended up, the first couple payments were never taken from CIC and the funds were there, available. I then get a letter from CIC stating the loan has defaulted. I have NEVER defaulted with CIC. 

I called the XXXX number to the XXXX XXXX branch and spoke with staff there and I followed up on the letter to see what was going on. I also requested to speak with the branch manager and demanded any interest that has resulted from CIC failing to automatically take out the funds as agreed initially in writing, to be credited to the account. This is unethical, fraudulent practice and only benefits CIC. 
Also, they are supposed to the the money out of my checking account on the FRIDAYS I get paid, per the payment schedule noted in the loan documents and what was agreed to. 

The monies are not taken out until the next business day, which can be 4 days later if that Monday is a holiday. These are deceptive practices and will only result in increased interest. I want my loan audited, and credited any and all interest that was wrongly charged.
Consumer complaint received 2019-09-25
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'm not a credit repair company so please fix this problem. I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquiries i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. I am a victim of identity theft, and did not make the charge [ s ]. I never gave your companies authorization to pull my credit report. Because of this unauthorized pull, my credit score has dropped. In order to pull a consumers credit report you need permission to do that, and if you dont have it its a violation of the FCRA which carries fines. Please provide me with proof that I authorized your company to pull my credit report. If you cant send me this proof in 30 days, you must delete this inquiry at once. Please update, or remove any inquiries that is not reporting with 100 % accuracy.I have contacted the furnished who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. Because of that they had no permissible permission to pull my credit reports. After researching on the internet, it states a company needs authorization to pull a consumers credit report. These company 's did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX   Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX-XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX - XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019, XXXX XXXX Inquiry from XX/XX/2019, Absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-09-18
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. (CT)

I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big XXXX bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten XXXX responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: North Idaho Credit Corporation (ID)

I received a letter from North Idaho Credit dated XX/XX/2019, advising me that they were attempting to collect a debt. I sent them a certified letter that one XXXX XXXX signed for on XX/XX/2019, responding that I was disputing the debt, And that I was expecting no further action on their part including making any reports to the credit bureaus. I further explained in my letter that I considered the matter closed and that the were not to contact me unless they were terminating their collection efforts, or that they were taking very specific actions allowed under the FDCPA. I have heard nothing from this group since that time. Today I was doing a routine review of my credit report and I have found an entry from North Idaho Credit. The account in question has been paid in full to the original creditor. The resolution I seek is to have this negative mark removed immediately and an apology issued by North Idaho Credit.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

wells fargo accounting seems to be set up in a deliberate way in order to charge fees to customers. on XX/XX/21 i had an ending balance of a few dollars. on XX/XX/21 i received multiple fees for NOT having money to cover charges that CLEARED on XX/XX/21 AND still had funds in my account. XXXX explanation on XX/XX/21 : those charges were pending and you didnt have the money in the account ; HOWEVER as clearly identified in my acct summary, the money WAS in the account AND the charges already went through! this happens far too often. werent they already sued for this practice?!! so they are continuing a practice they were sued for!
Consumer complaint received 2020-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (GA)

On XX/XX/2020, I called MoneyLion because their app was not working correctly to process missed payments via Debit Card as usual. When you add the payment method and attempt to make the payment, the following error occurs : " It's not you, it's the internet! Looks like your request timed out, let 's try again! 

I called and was advised that only a supervisor was able to process debit card payment yet, no supervisor was available. It took 3 hours to get a supervisor. Then the supervisor who called me was still not able to assist me as she stated that her access was limited. I then was transferred to another supervisor after over 30+ minutes. The supervisor was rude with an I don't care attitude when I tried to share my experience with her. I told her that I needed to process my missed payments with debit card, payoff loan, and withdraw from investment account as I was assured that this could be done on a recorded line. The payment for membership was processed first. She then processed the loan payoff. However, I don't think that she processed the missed payment as she should have because it is still showing missed although the loan is paid off. I did the withdrawal successfully. 
However, when I tried to apply for a new credit builder plus loan, I get a message that says, " It's not you it's the internet! Looks like your request timed out, let 's try again! '' My app is up to date, I have signed out and signed back in, power cycled my phone, and closed and reopened the app. I advised the agent of this and she didn't seem to care as I was did this all because I needed a new loan that is now not working for me and I still have yet to receive assistance with this issue. She advised that she opened a case with engineering ( XXXX  ). 
I can use XXXX but the repayment date is wrong which I have seen this happen before as well. This company is not ran well. I was on the phone for over 3 hours collectively yesterday with transfers and hold time only to still not have a resolution. 
I called back today and so far the same experience when calling when they opened at XXXX Eastern and so far I have been on the phone for over an hour with nothing accomplished. I am listening to hold music while I type this complaint that has not been addressed.
Consumer complaint received 2019-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NJ)

I am a cosigner of a loan. I began making payments several years ago when the student was no longer able to make the payments. I spoke with a Navient representative and told her that I could make the payments by the XXXX day of each month. The representative agreed that the payments could be made by the XXXX day of the month and told me that the amount due monthly is {$280.00}. I have been making payments monthly without any further contact from Navient. It was about 6 months ago I began receiving calls from Navient asking for money. I was confused why I was receiving a phone call from Navient asking for money. I was told that my payments are due on the XXXX  day of the month. I NEVER RECEIVED NOTIFICATION FROM NAVIENT ABOUT THE DUE DATE CHANGE. Navient has been calling my phone two and three time a day harassing me about this student loan. According to my records I am not behind in making a payment. They sent me a email and I responded to them to STOP HARASSING ME!!! Now they are saying that I am late with my account. Something needs to be done about this out of control company!!!
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

I moved in XX/XX/2018 to a new address and asked the company to transfer my account to the new address. The account was transferred to the new address but the terms of the contract were not the same. The company tried to change the terms to suite there needs, and gave me less than I signed up for. I refused to bow to their terms and cancelled the service. All current fees were paid on time and all equipment was returned.

These fees they are requesting are fraudulent because they broke the contract.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I was told at purchase that it was 18 months of zero interest, sign here at the store and bought my laptop at {$2300.00} and made monthly payments over the 18 months. 18 months later I owe $ {$990.00} deferred interests. I had the remaining balance of {$800.00}, so i though i should be charged interests on the remaining balance. 

I contacted customer service ... no help. This was an error by the sales team to not explain the details of the promotion. They never mentioned about " the deferred interests '' at the store and I got approved my Best Buy credit card at the store by the time I made purchase. So, the sales team mislead customers about financing promotion. I see that other best buy customers complained about this issue as well. 

I should have at least mentioned about " the deferred interests ''! 

Best buy account specialist keeps saying it's all in your documents, but the problem is i got my documents after i made my purchasing decision. 

If i had know about " the deferred interests '' at the store, i would have never financed with Best Buy.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KY)

Synchrony Financial has closed all of my accounts with no warning. I have paid my bills every month. One of the cards had XXXX balance. I logged into pay my J.C. Penney bill a few days ago and noticed that it said the account was closed. I then logged into my Lowes, Care Credit, XXXX, PayPal and other accounts and all are closed. I still have my job and have not been affected by Covid 19. I have had the J.C. Penneys Card for over 20 years. 

My credit score has been affected by this and I am not sure how low it will drop now. I have more credit used than what I have available.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I need a copy of my credit report. I have been trying to get it after I was denied credit based on the information Equifax reported. This was last year and still no luck. I have sent all the supporting documents as per their request but no reply from the company. Please Help!