davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Each month Union Bank takes the transactions out of sequence on my checking account, which makes the account go into overdraft and then by adding late fees so that the balance is always negative and charging {$33.00} per overdraft, follow by XXXX per day for late fees per item. I feel they do this to collect extra fees that they are not entitle to receive. In addition, when you address the situation, they will only give you a partial refund of your money, and keep the late fees on account that should not have been there due to their mistake in the first place. I print a bank statement almost everyday, and always keep a copy of every receipt noted with the date and time, on several occasion they have done this, and the clerk will state that its your fault for not maintaining your account improperly. Sometime I just pull all the money out, so that they have nothing to lie about. Each time that have charge me as high as {$160.00} to {$390.00} dollars. and there excuse is that it takes a few days to receive a electronic transaction. I work in retail over the last several years, and most transactions takes no longer than 3 minutes to debit any account. I think its time someone looks into this matters, because it might be a lot of people suffering in silence because they may be too embarrass to say this is wrong,
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I am in income-based repayment status with Navient. Several years ago, I was an XXXX XXXX, which paid the interest on my student loans during my year of service. However, Navient capitalized all of the interest from that year, adding it plus more to the loan principal after having accepted the government 's payment on the interest. Additionally, I paid the full amount of my XXXX XXXX award toward my loan principal, and Navient applied all of it the interest. Since that time, they have included a line item for " capitalized interest '' at the beginning of every year, causing my loan balance to increase every year, though I am making substantial monthly payments. There is no one at Navient to speak with about these issues, and it appears they are increasing my monthly payment from {$750.00} to {$1600.00} as of XXXX XXXX. I will continue to try to reach someone there.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

Toyota Financial Services does not want to remove their derogatory information to the credit bureau although per my telephone conversation, they will not report me for being late because it is not fault. Monthly they draft my account. I called Toyota Financial Services that I am going to close my bank so they have to charge my new bank account, this was XXXX XXXX, 2016 and also fax them an instruction on XXXX XXXX. They sent me their own form and I fax it on the XXXX of XXXX. I was surprised when I received a past due notice and called them right away. They say they will charge my account for two months without late charges and will not report me to credit bureau. But to my surprise, they reported me to credit bureau for one month late. I gave them more than 30 days notice, by telephone, XXXX XXXX and by letter, XXXX XXXX. I wrote to them but denied my request to reverse their derogatory remark. I was not at fault, it is their negligence, why should I be penalize? 
They admitted I was not at fault by not charging me late fee. Day one I never missed any payment because it is always drafted from my bank account. 
I highly believe that this bureau is my last resort to listen to my complaint. 
Thank you.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CT)

The minimum payment on my Walmart credit card is XXXX according to their web-site, the attached screen shot shows XXXX due on XXXX. However, payment options below offer a different minimum payment in the amount of XXXX. I previously paid XXXX on XXXX, I believe XXXX was minimum amount due last month. I did schedule a payment in the amount of XXXX on XXXX. I did not check for a late or over limit fee, however, I should not be charged one as their site is indicating a different minimum payment due. A previous complaint was made in regard to their high minimum payment due, Ive been trying to catch on up several credit accounts as I have fallen behind to due to several medical bills incurred by my mother who I take care of. I have several other accounts with Synchrony Bank including JCPenney, Toys R Us, Amazon. Most recently, my Banana Republic account was paid off, however, still closed. I have not checked into these accounts so I do n't know if the same situation in regard to payment due is happening with them as well.
Consumer complaint received 2016-05-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Good Evening- in XXXX I received an approved loan mod with my first lien holder and then in XXXX I reached out to my 2nd lien for a modification ( HELOC ). I called 2nd lien and was advised to send in a written request and a copy of the 1st lien approval. I was never acknowledged after several phone attempts. Last month I reached out to the 2nd lien again proposing a settlement offer. I was informed for the first time that my loan had placed with a collection company. When I contacted them andprovided the requested documentation I was declined the settlement offer. When I asked about the other options I was again told for the first time that the loan was charged off. They did tell me that I could either pay the loan off in full ( balance is $ XXXX ) or I could pay an initial amount of {$14000.00} and then make monthly payments of {$400.00} for 6 months and then status of loan would be reviewed again for a settlement payoff or the continuation of the {$400.00}. If they would have acknowledged my initial request for a loan mod review I would not be in the position, not to mention the status of this loan is destroying my credit. I am in a charge off status but I continue to get regular mortgage statements. For this reason I am requesting your help thanks
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Copy of a letter I am sending to Capital One : Former Credit Card I dispute : The same as at least a year ago I got a postal notice and an automatic telephone call probably on the same subject. It was to collect an amount approximately {$120.00}, same as I disputed before. 

I NEVER MADE THIS CHARGE, I discontinued service and destroyed the card at least XXXX years ago. ( I explained this by phone a week ago about, but do not have the account number available anymore. )
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Management Solutions, LLC (ME)

On XXXX XXXX, XXXX, a rental application submitted denied based on inaccurate information contained in XXXX, XXXX XXXX XXXX XXXX XXXX consumer database. 

Although not registered with CFPB or the state of Maryland XXXX, XXXX XXXX XXXX XXXX XXXX referred in their denial letter doing business as a credit reporting agency but refused to follow the FCRA and validate allege debt. 

On XXXX XXXX, XXXX, I immediately reached out to XXXX tried to obtain a copy of my credit report. In addition, asked if XXXX was reporting a collection item in the amount of {$3200.00}, for FMS Financial Solutions dated XXXX XXXX, XXXX. 

FMS Financial Solution reported inaccurate, knowingly false information about in regards to an allege debt. FMS Financial Solutions failed to FRCA and notify consumer of allege debt and give consumer an opportunity to dispute and ask for the debt to be validated. 

All parties involved XXXX, XXXX XXXX and FMS Financial Solution refused to follow the FCRA and provide FMS contact information XXXX current address, account number, name of company that placed debt in collection.
Consumer complaint received 2021-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

This isnt a repeat complaint. The company never answered my original complaint so I called your office and was told to submit a new complaint and make it simpler and just include the part they never answered. I was told by Chase mortgage that if I deferred my payment with the Pandemic deferment that I would not have to pay it back in one lump sum. I was told this several times by Chase employees. I am now being told it is due in one lump sum. XXXX $ due immediately. I even have done a lot of research online and XXXX XXXX web site says you will never have to pay it back in one lump sum. I will attach screen shots. My prior complaint Chase answers and says they asked XXXX  XXXX for a modification and that I was denied because of prior modifications and income which they list my income as XXXX XXXX Either way Im not asking for a modification. Im just asking for what I was originally told several times that my deferred payment be put to the end of my mortgage.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have filed a dispute with EquifaxXX/XX/2019 for wrong outdated infomation on my report. I have an email to check the status of the findings completed XX/XX/2019, but can not access them because a perepetual loop of services they offer are for sale deactivating or stopping my access- their website does not function.   I tried calling the number supplied XXXX  and again get stuck in a perpetual loop of sales questions.   They give me til XX/XX/2019 deadline to view their findings and I can not access  them or get ahold of anyone to help do so.  No hard copy has been offered via mail either and I worry the fate of my information is in the hands of a very corrupt operation. They have all proofs of identity needed and I was recently denied credit based on their incorrect files.  Please help!
Consumer complaint received 2019-08-18
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: WELLS FARGO & COMPANY (FL)

Foreclosure by Wells Fargo is still on my credit report and effecting my credit even though it is over seven years old. According to XXXX, Wells Fargo reinstated the 12yr old information.
Consumer complaint received 2016-07-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (MI)

I am a GMFinancial customer since XXXX 2015.I was recently XXXX '' from the XXXX after XXXX. I moved from XXXX to XXXX. The vehicle that i Have leased with GM Financial is for my wife so that she could get back and forth to work as we both are not full time employees after I took a job working for the XXXX. My pay decreased annually by {$XXXX} a year. During the month that my payment was late with GM Financial I had made a call requesting an extension and set up a scheduled payment that cleared. During that call, I was lied to and told that I would not be reported late and that once my payment cleared I would be set. GM Financial inaccurately reported me late for a month that I was told I would be current. I have since been on time with payments just as I was before. As part of my promotion in my job, I am required to keep my credit report immaculate. My job requires an XXXX. I will be getting reviewed again in the next couple of month and I am fearful of 30 day late report showing up on my review. This will hurt my chances of promoting and becoming more financially stable.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

Because of the Equifax breech I went online to freeze my report with all 3 bureaus. Two of them went very smoothly. Equifax however is apparently having technical difficulties that spread beyond not being able to secure people's data. While trying to set up my account on "My Equifax" on XX/XX/2019, I went through all the prompts only to reach a screen that said to call their customer care team at a 1-800 number. I did this and explained what happened. They however did not fix my account problem only initiated the freeze over the phone. On XX/XX/19 I was doing some business that required me to temporarily lift my freeze. I logged on to XXXX XXXX and XXXX just fine and performed the process of applying a temporary lift. However, when I got to Equifax I discovered I still was not able to log in. I contacted Equifax and again explained my problem. They did the temp lift on the phone and sent me password reset email. I hung up (unfortunately) and went through the password reset but this of course did not solve the problem. I did not have anymore time to spend on the issue that day. On XX/XX/XXXX I sat down at my computer and again tried to log in. Still did not work. Tried a password reset again. Still did not work. Called Equifax again and the person I talked to said he could not help me but would "escalate" the issue and a supervisor would contact me via email in 24-48hrs. On XX/XX/XXXX (96 hrs later) I still had not received any contact. I called again and was told the same thing. They would "escalate" my issue and now I was told it would take 1 week for a resolution. I am beyond frustrated.
Consumer complaint received 2019-08-17
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. (FL)

Hello I contacted the creditor regarding the accounts on my file they have not removed nothing off my credit report the creditor agreed to remove and said they sent it to the credit breau equifax I even sent in my identity theft FTC report and nothing has not been done at all
Consumer complaint received 2019-08-19
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: JPMORGAN CHASE & CO. (MA)

A credit card was reported stolen and then used without my knowledge. Certain circumstances did not allow me to follow up. The cc debt was sold to collection agency where they repeatedly contacted me at work, threatened me and tried to get me to provide personal information over the phone.
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Federal Adjustment Bureau, Inc. (OH)

I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-02-13
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: SYNCHRONY FINANCIAL (SC)

XXXX XXXX XXXX has continued to threaten to sue me if I dont pay a debt which is against the law. I have disputed the debt many times as it is more then the original debt I owed to the company where the debt originated. 
The amount they say they owe is XXXX I received this letter on XXXX/XXXX/21. They have spammed me with phone calls despite the fact that I have told them to stop calling me. They call me on my work phone and have even contacted family members of mine.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed my consumer report and noticed several items that I feel compelled to dispute. This situation has caused me considerable XXXX, and I believe it warrants a fair and prompt resolution, which has not yet been provided. The accounts in question involve a transaction that clearly falls under the EXCLUSION section of the FCRAs definitions. Additionally, these were reported without my written consent, pointing to potential identity theft, as defined by the Federal Trade Commission. 

I strongly believe these accounts should be deleted, as they are not tied to any transaction I authorized. I did not grant your agency permission to report this information, making this a violation of the permissible purpose section of the FCRA. Consequently, your agency may be liable for damages of at least {$1000.00} under the civil liability section for willful non-compliance. I respectfully request that these items be removed from my consumer report promptly.

Thank you for your attention to this matter.
Consumer complaint received 2019-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CO)

Service provider: https://remitly.comService initiation Date : XX/XX/2019 Service Request: Transfer money to international accountPromised Delivery time: Immediately or within Hours  I have placed an international transfer with the remitly.com on XX/XX/2019, they have taken money form US bank account , but did not credited to international account till date XX/XX/2019.I have contracted more than 7 times to  customer service both email and Phone support, I haven't received any response in the email , but during phone support each time there will be a representative talking to me  and giving me different answers such as , money got sent to wrong account we are still investigating and we cannot give you when we will complete investigation and sometimes they promise me to call back but no followup after that.After all the conversation what I infer is either they are planing a scam holding my money hostage or something very bad happened  in their system that routed my money to wrong account.I have all the investigative and supporting  documents for my claim above.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (CA)

barclays decreased my credit card limit, I submitted a fraud claim and I asked if theres any way to reinstate my credit limit before the fraudulent transaction and the representative told me to wait after the result of the investigation Ive been waiting for a long time and up until now I have n't seen the result and no correspondent have been mailed.
Consumer complaint received 2021-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, Exeter confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX Exeter reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with Exeter to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with Exeter and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.