davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

overpayments made in XXXX and XXXX XXXX were misapplied and placed in unapplied funds instead of being applied to the principal. I have called several times and filed a complaint with the cfpb in XXXX XXXX requesting the money from unapplied funds to be applied to principal and capital one has failed to do so
Consumer complaint received 2017-10-24
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 sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (CA)

I received a letter from Convergent telling me my account is placed for collection. They provided no information as to what the debt is, they left the creditor name blank, they spelled my name wrong, and the letter they sent was dated about a week before I received it ( XXXX/XXXX/XXXX ) I do not believe I owe this debt. I sent a timely letter informing them as such XXXX XXXX/XXXX/XXXX XXXX, and requested additional information about the debt, and officially disputed the debt. 

I have not received the additional information I requested, and they continue to attempt to collect the debt by phone. 

Instead, they continue calling me and leaving incomplete phone messages. 

I do not wish to be continuously harassed by telephone while they ignore my letter requesting additional information.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I vehimately disagree with the Synchrony bank rep who researched my complaint about the interest charge for {$100.00} and {$19.00} for the XX/XX/XXXX statement for 2017. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!
Consumer complaint received 2017-10-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I entered the Check N Go on XXXX XXXX and handed the Represetative a notarized letter. I informed her that I also sent a copy to XXXX XXXX she took the letter thanked me. I was laid off from my job and I informed XXXX XXXX that I wanted to revoke authorization to my checking account because I could no longer make the payments. I had no problems in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX but XX/XX/XXXX Check N Go attempted to debit {$140.00} from my checking account. On the check it states Authorized by your Customer No original signature required. I signed a contract at the time I received the loan authorizing Check N Go/XXXX XXXX to pull funds from my account but I have since revoked that authorization. This caused me to receive two returned check fees from my bank of {$36.00} each and a {$10.00} returned check fee from a company that I made a payment to that was returned as a result of this unauthorized check. I spoke with a women in the collections department and she refused to give me any information. I asked her for a number or address to file a complaint she stated that the only way to contact Check N Go is through email. She gave me the incorrect email address.
Consumer complaint received 2017-10-24
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 (WA)

My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but Fed Loan Servicing posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted Fed Loan Servicing and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from Fed Loan Servicing that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that Fed Loan Servicing was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

The school that I went to was n't accredited and they said that they would dismiss my student loans I called navient and they said that I can add a military push back I guess that 's what you would call it and they did n't do it at all I just received a bill from them I have XXXX loan with them but they report on my credit as XXXX different loans on XXXX different amounts I 've called multiple times and I get the same response they tell me that there 's nothing they can do they can set me up for a further date to start paying but they still send me a bill my account number is XXXX XXXX
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Uprova Credit, LLC (FL)

Uprova sent a email stating that I havent contacted them about my account and is stating that if payment is not made by the upcoming due date, the account will be considered in default. I contacted the on XX/XX/year>, the options that was given I couldnt set up at the time and I explained that. Then I was told that phone calls will continue until an arrangement is made. They will use Arbitration and and exercise all rights under the consumer loan. I dont even know what this means. 
The original loan was for {$1600.00}, refinance to make the total of the loan {$1700.00}. I have paid a total of {$1700.00}. They call multiple times a week and email multiple times a week.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I had a business partner that throw me out for the company 10 years ago. Then about year here put the company in bankrupt 's and at the I was told that I need to fill bankrupts personal so did all the page work but I but pull out and never did. 
Now I have a Bankrupts on all three of my Credit report. I was told it be remove in the first year do that I never flied.
Consumer complaint received 2017-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The draw period on my Bank of America HELOC is expiring. I can not afford the payments on the amortized portion of the loan. I contacted BOA to request a modification or extension of the term. They declined my request because I am not delinquent or in foreclosure on the debt. For the past 10 years I have never made a late payment on the HELOC, so they tell me I do not qualify for one of their programs. I believe I am being penalized and denied because I am NOT delinquent. I am trying to continue to pay this loan on time and in full. I am asking the bank to provide me with amortized fully amortized payments over a 30 year period, with a 10 year due date. I do not believe I should have to become delinquent, erode my credit and pay late charges and foreclosure fees, just to conform to one of their programs. 
The HELOC is a bank owned product. The bank does not sell this type of loan to investors, and therefore has a choice on how to help their customers. BOA never considers customers who pay their debts. The HELOC situation is becoming a huge problem that the banks will have to deal with. Other details are contained in the letters I have attached hereto.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive sent letters to all 3 credit bureaus telling them that there was a lot of incorrect information on my credit report. Any inaccurate information must be deleted. Theyre breaking the law by reporting inaccurate information on my credit report. Ive tried calling numerous times but that didnt change anything. There are multiple accounts on my credit report that are showing different opening dates and balances across the different bureaus.
Consumer complaint received 2017-10-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Baker Recovery Services (CA)

In XXXX I fell victim to an online payday lender, XXXX. This company is owned by the XXXX XXXX XXXX tribe and was a scam. Neither XXXX or XXXX XXXX are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named Baker Recovery Services - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of Baker Recovery Services. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (ND)

I have filed a complaint with American Express regarding their XXXX miles promotional offer based on which I applied and received this credit card. It has been 6 months since I had the card and I still do not have the miles even though I met the criteria in the first month. I was told there was an " issue '' they are investigating and that I will receive a final answer by XX/XX/XXXX. Of course, this did not happen and every time I contact them they say wait more. Last time I spoke was with a supervisor named XXXX via chat on XX/XX/XXXX at XXXX XXXX central time ( chat ID : XXXX ) and he said the case was still open which strange because I was told before it was closed. He also said that there are other customers who have the same issue. This was the first time I heard that and they never want to say what the issue was. I asked for legal department contact information and he said they do not have one. This is clearly fraudulent advertising and what makes it more appalling is that they continue to send me emails with the same add.
Consumer complaint received 2023-06-20
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

I applied for a new auto insurance policy through XXXX XXXX XXXX for a new car I purchased on XXXX XXXX, 2017. XXXX XXXX XXXX has turned me down for a new policy because there are six entries that are erroneously linked to me on my Auto Claim History Results report from LexisNexis Consumer Center. This information has not allowed me to obtain auto insurance for a vehicle I have just purchased. I have sent LexisNexis many documents that proves that I am me and that I do not own more than one car. Six cars are on this report that are not mine! 

Could you please help?
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Clearing House of America, Inc. (KY)

At this time The credit clearinghouse is currently in the process of taking me to court for a judgment on the behalf of XXXX XXXX XXXX. XXXX XXXX XXXX had threatened me with legal action in regards to funds that were placed in their financial institution when i was a victim of Theft by Deception under the premise of successfully gain employment. Due to the theft by deception i was not able to secure employment. I was told that a police report could be used to help remedy the situation/ Please review the attached police report for more information. Half of the balance that was owed has been paid and i was unable to continue payments due to being underemployed.
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (SC)

Home was placed under contract and closing date set for XX/XX/17. Attorney 's office started contacting Bayview on XX/XX/17 to request payoff statement. Multiple requests were made by both attorney 's office and mortgage holder via fax and phone for payoff statement. One payoff was sent but it was dated in XX/XX/XXXX, so it was unusable. As of XX/XX/17 payoff has still not been received, closing is on hold indefinitely and two families lives are on hold, all due to Bayview 's unwillingness and inability to provide a simple document.
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XXXX, XXXX XXXX to my surprise I received a letter that stated that I had been served with a Continuing Writ of Garnishment and that they would be required to withhold a certain amount starting on XXXX XXXX, XXXX. In the court document, it states that an amount of XXXX remains unpaid to XXXX XXXX XXXX. I have no idea of what this is all about. 

I reached out to a paralegal and they told me to file for a hearing in front of a judge. I was also told to contact you and file a complaint. Then the paralegal told me to file for a hearing in front of a judge to stop the garnishment. 

I am the the head of household with a son and can not afford to have my check garnished for any amount.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

During XXXX XXXX of 2016, two obviously related companies each sent my XXXX year old daughter ( who looks XXXX ) a {$5.00} tube of Anti-Aging Cream, which she had never ordered. Each company then charged my wife 's credit card about {$100.00}. I phoned both companies and they both indicated that they had no record of my wife or daughter in their files ( making it impossible for me to cancel an order if one had actually been placed ). I phoned Citi Bank and told them of this fraudulent activity. ( The woman I spoke with on that first phone call told me she was aware of these two companies and had received similar complaints about them in the past. ) I asked that these charges be removed and that no further charges be accepted on my card from those two companies. The following month, each company charged an additional {$200.00}, and a few weeks later, {$200.00} more was charged for a grand total of about {$600.00}. I inadvertently paid {$400.00} of those charges when I was paying a credit card bill in a hurry without reviewing all of the charges that were on it. The final {$200.00} I did not pay. I have been corresponding with Citi Bank since the first {$200.00} was charged to my card, and I have even sent two letters to the CEO of Citi Bank. She refuses to have these charges removed ( even though Citi Bank advertises that " you will never have to pay for charges you did not authorize '', and claims that {$600.00} is a reasonable amount to pay for two {$5.00} tubes of Anti-Aging Cream that were never ordered in the first place. Now, the bank is threatening to turn me over to a collection agency because I refuse to pay the final {$200.00} of these fraudulent charges.
Consumer complaint received 2017-10-24
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc. (OH)

I originally applied for a XXXX refinance loan of my parent 's PLUS loans on XXXX XXXX after receiving advertising the mail for several years. I was preliminary approved. Then it informed me I could save with a co-signer so my dad agreed to be added to the loan. It then told me that with my dad, I would save 0.41 % on the interest rate, with the new rate being 5.115 % with automatic payment. That sounded good so I uploaded my income documents and a copy of my drivers license and told my dad that when I went out to his house, I was going to need the same from him. After I uploaded my documents, it came back and told me that I could get 5.115 % with or without a co-signer. This did n't sound right so I called SoFi as well. The representative confirmed that I would get the same rate with or without. So I decided to proceed without. 
Over basically the next 2 weeks, XXXX requested various documents including a letter from my father indicating that the original loan was a XXXX loan. Why did they not ask for all this at once? My father is XXXX and does not scan / email documents so I had to drive an hour one way to his house to get documents that would have been a lot easier if they asked for when I originally told them it was a PLUS loan and they asked for a letter of direction. 
Finally, after 2 weeks ( in which they indicate it is about a 4 day process ), I received notification that a new offer was on my loan. When I contacted XXXX, I find out that since I removed my father from the loan, the income went down and so my rate was going up to 5.525 % with automatic payment. 
They never said XXXX word when I talked to them about my father being removed that I needed his income to qualify for that rate. They have known what my income was for over 2 weeks. 
I sent an email to their customer service and did not get a reply so I logged on and chatted with a representative. She reviewed my information and agreed that I was told wrong information but said there was nothing they could do but I could add my father back if I wanted. I am not drive another hour one way to get a paystub and drivers license when I could have done that with the previous trip. 
She then advised me to call in. I strictly told her that if I am calling in to get the same information I would not be happy. She said to call. 
I called in and the representative told me the exact same information. 
I told both representatives that this appears to be deceptive and unfair, a complete bait and switch, and that I was filing a complaint with the CFPB ; however they said there was nothing they could do.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Back in XX/XX/XXXX USAA decided to restrict my online account access to USAA.com preventing me from seeing or accessing any of my accounts. On XXXX XXXX 2017 there was an ACH withdrawal for {$4000.00} which simply stated member generated. Seeing as I did not have access to usaa.com I do not see how I could have generated this ACH withdrawal, but seeing as there was no other identifying information I promptly requested more information from USAA to help identify the transaction. I made this request multiple times throughout XXXX and XXXX of 2017. Now in XXXX, I received letters stating I disputed the transaction and am asked to sign all these papers stating I did not authorize the transaction I still have no information on. USAA failed to do provide information on this transaction as requested yet demands I send in a signed affidavit stating I did not authorize a transaction I simply have not been given any information on in order to identify it. Furthermore, the letters request XXXX upload the documents on USAA.com which I am restricted and unable to do.