davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
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: JPMORGAN CHASE & CO. (CA)

I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. I will attach all the certify letter sent to the creditor. Thank you
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (MA)

Fay Servicing , LLC is holding {$56000.00} of insurance funds in escrow for Hurricane Irma ( last year ) damage which they refuse to release. All repairs are done and paid for by me. All appropriate Fay paperwork was filed. They have told me they would schedule and inspection to confirm work was done months ago. This has never happened. It is starting to feel like a scam. Can you help?
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC. (LA)

My wife has been receiving multiple calls daily for the past 2 weeks. On XX/XX/2018 I spoke to the company about a debit that I owed. When I asked for a verification letter they stated they have sent multiple notices in the mail, none of which I have received. Constant phone calls threating to garnish my wife 's swages and I only have one day left to accept the settlement. I have not heard anything about this debit from the original creditor in over a year. If they sent a verification of debit I would happily pay it, but until then I will not pay some company that I have no idea about nor trust. I am currently going through the XXXX process so having threating calls about garnishing wages really frustrates me. I know its my debit but I am getting no assurance from this company that its not some sort of scam they are trying to pull on me.
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omnipoint Capital (LA)

My wife has been receiving multiple calls daily for the past 2 weeks. On XX/XX/2018 I spoke to the company about a debit that I owed. When I asked for a verification letter they stated they have sent multiple notices in the mail, none of which I have received. Constant phone calls threating to garnish my wife 's swages and I only have one day left to accept the settlement. I have not heard anything about this debit from the original creditor in over a year. If they sent a verification of debit I would happily pay it, but until then I will not pay some company that I have no idea about nor trust. I am currently going through the XXXX process so having threating calls about garnishing wages really frustrates me. I know its my debit but I am getting no assurance from this company that its not some sort of scam they are trying to pull on me.
Consumer complaint received 2023-05-01
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. (NY)

I believe I was subject to identity theft. There are fraudulent accounts on my report that I do not recognize. They are listed below. Please have these removed ASAP as they do not belong to me. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX
Consumer complaint received 2018-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (IN)

XX/XX/2018- XXXX XXXX from Conserved Called my place of employment Prior to this date I have received calls from Conserve from Different phone number, most times when you answer the phone no one says anything and the call is disconnected. A company representative will call back, and not address who they are or the intent of the call, while pressing you to validate your personal information, example : asking for last 4 of social, confirming DOB.

I have asked to be taken of their call list, and requested someone to mail me a letter. Have yet to receive anything via mail from Conserve regarding any debt collection ( s ).
Consumer complaint received 2017-05-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I received a Stafford Subsidized and a Supplemental loan in   XXXX   to attend  XXXX  College Of  XXXX  which is located in North Carolina. Though I must admit that I have not always been diligent in my repayment of this loan, It seems because of the interest charges and whatever ; I have almost certainly have repaid this loan three or more times over. I requested a loan Discharge Application School Closure form in an attempt to get the loan expunged because the school closed before I was able to graduate, and after completion of the form I was denied. Here is the information from my loan :  Supplemental Loan  original principal - {$2300.00} total to be repaid - {$3200.00} current balance - {$2900.00}  Stafford Loan  principal - {$2600.00} total to be repaid - {$3300.00} current balance - {$3000.00} total current balance - {$6000.00} Disbursement date  XXXX ,  XXXX
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

Sold our home on XX/XX/2018. Temporarily moved to XXXX and had a forwarding order for all mail. Assumed Ditech would mail our escrow refund check to our old address and it would be forwarded by USPS. They somehow updated their records with a new address for us ( NOT AT OUR REQUEST AND NOT A CORRECT ADDRESS ) and mailed the refund on XXXX to that incorrect address. 

Sent multiple emails through their secure message server - it sent me emails saying they received my email and are looking into it but no one ever responded or contacted me in any way. 

Called XX/XX/18 and spoke with XXXX who said she would request the check be reissued and sent to new address. Updated our address ( AT OUR REQUEST ) and stated it would take 7-10 days Called XX/XX/18 and spoke with XXXX. Said she could " see '' the request to issue check but it had not been issued. Stated the deadline was today for reissue. No action XX/XX/2018 called and spoke with XXXX who said it was not reissued yesterday ( their deadline not mine ) and that it " should '' go out this week XX/XX/18 called and spoke with XXXX - she states she can see the request but it has not been cut. 

XX/XX/18 called and spoke with Ms. XXXX - still not cut but again states it " should '' go out this week. It is Thursday already! 

Ditech Mortgage has had {$3300.00} of my money for over three months now and will NOT resolve this issue. This is a very simple transaction of an escrow refund check that WAS NOT CASHED and just needs to be reissued and mailed ....
Consumer complaint received 2018-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (UT)

I ma an XXXX XXXX XXXX veteran and I had sent my loan company DiTech Financial my Property tax adjustment in XXXX. This was not adjusted and I had to call back in XXXX. Again it was not adjusted and I had to call again and speak with a Supervisor on XXXX when my account was finally reanalyzed. I was also informed that in XXXX the account should have gone under an automatic anazlysis of my account when i first requested it and submitted my state documents for the adjustment of my property Tax. 

Here we are in XXXX and my payment has still not been adjusted. They have issued my refund and my payment has not adjusted by the {$210.00} I was told it would adjust by. This is the XXXX month where I have paid an additional {$210.00} and I believe this additional money is not being allocated to my principal but instead to someones pocket. 

I have called and called to try to get help having this adjusted and feel as though I am getting no where.
Consumer complaint received 2023-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MN)

I recently applied for a XXXX XXXX Yield Pledge Money Market Account on XX/XX/2023 and my application was denied due to Lexis Nexis Risk Solutions Bureau LLC/Risk View Consumer Inquiry Department reporting an inaccurate Risk View Credit Score of:XXXX, Identify theft alerts and identity elements not fully verified on all available sources. My Risk View Credit Score is suppose to be at XXXX and there shouldnt be any identity theft fraud alerts on my Lexis Nexis Risk Solutions Bureau LLC Consumer Report.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

CITI dispute department Does NOT do a good job in reviewing the case. they skim through material, and not put their customer 's benefit at first. They are not being transparent to their review process and just gave out vague reason for what they did. I have solid and strong evidence to prove my case but they choose to ignore, or not care. I need an explanation!
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MA)

so i pay XXXX to this company, after a few attempts to get a proof of debt, i receive the same bill 4 times. none on them explain the amount own, so for almost 3 month i been dealing with the collection agency to get a refund of the amount i already pay, because they couldn't proof the i own the amount.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected.

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-09-20
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: CITIBANK, N.A. (NY)

Company : Citi/CBNA Amount Owed : {$290.00} Date Opened : XX/XX/2014 Date Closed : XX/XX/2014 I never opened this card with CITI/CBNA. I disputed this on XXXX XXXX three months ago and still havent heard a response.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I have many promotions on my XXXX XXXX XXXX, they are zero percent for 6 months or 1 year. I keep up with all of my promotions on a spreadsheet. I know exactly when they need to be paid and have never missed one. Every month on my statement I am charged interest even though I make sure I pay more then what is due on my regular purchases. Example, last month my purchases were {$120.00} so I paid that amount and an extra {$20.00} to go towards my promotions that are not due until XX/XX/18. I still got charged interest because they did not apply the payment to my purchases first. Every month they apply my payments to the promotions which aren't due at that time and charge me interest on my purchases. This is XX/XX/XXXX and they are applying my money to my 0 % promotion that isn't due for 3 months. If I did not examine my statements I would never pick up on this. When I call they credit the interest and I am told that I have to call every month to tell them how I would like my payment applied. This does not seem fair. I, as I am sure everyone, would like to have the promotion be a promotion and not pay interest on my purchases. I feel that this is a scam and I can imagine that plenty of people are paying this interest and not calling every month. Please Help!!!! Thank You.
Consumer complaint received 2018-09-19
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. (NY)

I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX XXXX  for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?
Consumer complaint received 2018-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (VA)

When I started college there was little options when it came to student loans. Though I did receive a lot of financial aid I still in a lot of hardship. my mother was denied every year for the parent plus loan and I was told my the XXXX XXXX XXXX XXXX XXXX that private loans through XXXX XXXX was my best option for my needs. I was told that they would help me through XXXX XXXX and their Financial Aid office to make my loans manageable and they would only be a little higher than most. One XXXX degree later I am XXXX in student loan debt. XXXX of it is owed to XXXX XXXX. My Financial Aid officer did not even give me an exit meeting and how I was going to handle my repayment. I was left with one single option from XXXX XXXX which was their Graduated Repayment Plan. This plan is only a year of interest only payments. These payments are XXXX a month, this is more than I pay in rent. After the year is over my payments will go back to over 1200+ a month. there are no other options than deferment or the default. there is no help, even though the people are friendly, they give me no options to make sure I can continue my payments. I have 5 loans to XXXX XXXX and I can not combine them. this has put severe financial burden on me. I have gotten a job using my degree and is it no where near enough for my to afford these payments even though I make around 18hr and got this job 5 months after graduating.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I called Citibank customer support to report there is an unauthorized charge on my diamond preferred card and was told that Im not liable for the charge and they will conduct an investigation. Then on the week of XX/XX/XXXX I followed up via chat as to why I still see the balance on my Credit card, I was told by one of their representative that I will see the credit next week. I then check again the whole week and still theres a balance. On XX/XX/XXXX I contacted them again and asked as to why I have a minimum payment due on my card and also as to why they havent credited the unauthorized charge. I was told that I have to contact their security department to find out. I called that department and was told to file a police report due to the amount. I felt I was discriminated and treated unfairly because when I told the representative that I am on XXXX he told me that I can do it online. I have checked the cards terms and condition and there is nowhere that says that if its over {$5000.00} theyll need a police report. I read about the zero fraud liability and yet they are not standing by their word. Lastly, I had to pay {$300.00} plus to avoid penalties.
Consumer complaint received 2018-09-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MI)

I have recently been in contact with XXXX XXXX on XX/XX/2018 and XX/XX/2018 in regards to a monthly payment increase on my student loans. The program that I was in and able to maintain was {$210.00} and has now increased to {$460.00}. I called XXXX XXXX to ask if the payment could be lowered to an amount that I could maintain being that I am the sole provider in our household due to my husband returning to school full time for an XXXX XXXX XXXX program. When I spoke XXXX at XXXX XXXX I was asked to provide my financial profile including monthly income from my job, expenses such as rent, car note/insurance, groceries, cable, and what I currently have in my checking and savings account. I was then told that XXXX XXXX would need to contact my co-signer who is a XXXX year old retired veteran, my grandfather was harassed about his monthly income and payments and was told that if he was not providing enough information. I was then asked by XXXX XXXX what are you willing to do to maintain your payment because based on your credit profile you are not able to maintain your payment. I was then informed by XXXX at XXXX XXXX that my request was denied to lower my monthly payment or offer an alternative method. I begged them and never once said that I was unwilling to make a payment, I simply asked to lower it so the loan would not be defaulted and I was denied. XXXX then asked for my routing and account number and stated that my interest rate would be lowered .25 % if I enrolled in automatic payments which did not lower the monthly payments.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (NC)

On XX/XX/2018 I paid my household bills. After I paid the bill I had a balance of {$340.00} in my account. The next morning I had a alert on my phone saying that my acct was in the negative. I looked at the transactions and realized that my payroll check had been deposited but there was also {$140.00} in fees from Suntrust. I called the bank and they said that it was a 2 hour delay in the time that my check was posted and the bills where paid. So that cost me XXXX dollars and nothing could be done about it. They said that they can see that it was only 2 hours but they have to charge the fees. My acct is in the negative {$24.00} dollars. But its in the negative because of the {$140.00} fees This is robbery. Its just not right and I want just let it go I work way to hard for my money.