davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I am trying to get XXXX to withdraw a tax lien from credit report. The amount was paid in XX/XX/XXXX and put on my credit report in XX/XX/XXXX. The XXXX years should be up soon but they are telling me that I have to wait until XX/XX/XXXX. I should only have to wait XXXX years from when I actually paid it. That is not right. I understand that they do not report to the credit bureaus however they can put in my in my public record that it has been withdrawn. At that time I can dispute it and get it removed.
Consumer complaint received 2017-07-25
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. (GA)

Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding XXXX XXXX via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from XXXX XXXX asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and XXXX XXXX, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I had been paying on my loan for over 3 years. No part of my payment had been applied to principal until 2 months ago when I called in requesting a deferment based off unemployment. 
Issue number 2. When I requested the income based repayment, my monthly income went from XXXX to approx. XXXX my payments actually increased. At this point I had to request a deferment as I could not make the payments I was instructed that payments would not be assessed however interest would continue to accrue
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX XXXX SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX SYSTEM DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.
Consumer complaint received 2017-07-25
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: EQUIFAX, INC. (OH)

I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, Equifax and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (TX)

Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2017-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied for the XXXX XXXX XXXX card and feel as though I received an unfair and misleading bait-and-switch offer. Apparently there are two credit card options -- which have very different terms and benefits -- the XXXX Signature has all of the benefits that are emphasized in the advertising, and the Platinum Plus XXXX, which has many many fewer benefits, including 1/6 of the bonus miles, no free checked baggage, and a significantly reduced companion ticket benefit. While it mentions this possibility on the application website, it was not clear to me during the application process that I had actually received the lower-tiered version. ( Unfortunately, I do n't have a screenshot of this process, however, I do not recall there being any verbiage indicating that I had not been approved for the XXXX Signature -- it must have just said I was approved for the Platinum Plus, which at the time I did n't realize was  different. ) It was also not clear that there were such different benefits between the two options. Furthermore, I was not given the option to state whether I was in fact interested in this lower-option ( which I was n't ) : once I applied and was approved for the lower version, I did not have the option to decline. So, essentially, I applied thinking I was going to get one card, was apparently not approved for it, and was automatically given a different card which I would never have applied for in the first place. It is also unclear to me why I was n't approved for the better option. I have a pretty good credit score ( XXXX ), and have other lines of credit that are in good standing. I tried calling Bank of America, and they were not able to provide me with answers. They only told me that I could reapply, but that I would n't get the additional bonus miles. I declined, and closed my account. I 'm sure Bank of America has covered its behind by putting all of this in the legalese of fine print, but honestly I consider myself a fairly savvy customer and I was still duped. I do n't think that, even if it says so in the fine print, you should be able to apply for one credit card and end up with another, with very different terms and benefits. ( Especially given that even applying for a credit card can negatively impact one 's credit score. Now I 've been hurt for getting a credit card I never wanted in the first place. )
Consumer complaint received 2017-07-25
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: PNC Bank N.A. (DE)

2 weeks ago I applied for a XXXX XXXX XXXX XXXX XXXX Card and was approved for it. The advertised rates were 13.99 % to 23.99 % based on credit worthiness. Given that my most recent fico score at the time of application was over XXXX ( around XXXX or so according to the data obtained by PNC from XXXX and sent to me in a letter to my home address ), my debt to income ratio is about 26 %, my credit card payment history was rated excellent, ( according to the most recent free credit report that I received ) I expected that the purchase APR on the card would be a lot closer to 13.99 %, say 15.99 %. Instead, the confirmation page of approval indicated that I would be granted an APR of 17.99 %, which I thought was pretty high. Upon activating the credit card however and finding it in my online banking portal today X/XX/17, I  saw that the purchase APR is actually 19.99 %. I called PNC 's customer 's service number at XXXX and its underwriting team at XXXX a few times to get quantifiable metrics about how this APR was arrived at and no one gave me an adequate response. I was bounced back from customer service to sales back to underwriting team who told me they had nothing to do with the APRs, which I thought was surprising. I do n't want to cry unfair credit card practices, but there 's something misleading in the advertised rates if a customer with my profile can not get close to 13.99 %, but instead I 'm offered a rate far above the median of this range.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MN)

Navient began servicing my student loans from XXXX a few years ago. Went through a divorce, and financially struggling. Applied for deferment, but was denied. I was told a forbearance would be the ideal plan for me. Navient proceeded to add a sum substantial sum of money to the loan and the interest went up to 20 %. Did not see any of this when hitting the submit button for approval. Since then been paying back a loan and getting know where on the principal of the loan. In two years the balance has not moved. Customer Service difficult to deal with, and feel misled. Now they want me to pay {$300.00} a month starting in XXXX, when I can barley afford the $ XXXX monthly payment now.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (NY)

We refinanced in XX/XX/XXXX and Plaza was the new bank. The first payment, due XX/XX/XXXX,
was in the amount of {$5000.00}. This amount- including taxes and insurance and based on an interest rate influenced our decision to refinance with Plaza. My XX/XX/XXXX statement, which is attached, notes the same amount. However, when I went online to make the XX/XX/XXXX payment, the amount due was shown as {$100.00} more. When I called Plaza, I was told that it was because of a shortage in the escrow account. They claimed to not know when the taxes were due and how much.
This is not acceptable to me and reeks of predatory lending practice by enticing a customer into a loan and then changing the terms ( bait and switch ) and it is illegal. A mere five months ago, Plaza obtained a title report showing the taxes on my house- school and town. The tax page of that report is attached as well and shows the town tax of {$6800.00} paid for XX/XX/XXXX ( the school tax is divided into two payments of {$6300.00} each, due in XXXX and XXXX ). In XX/XX/XXXX, I had received the attached notice from my town stating that Plaza had not paid my taxes. I had to call twice because the first rep blamed it on the title company. At closing, the title company had collected ( and paid ) my school tax due in XX/XX/XXXX. Because the three tax payment amount are similar, your rep was easily confused. Taxes in New York are higher than other parts of the country. I hope Plaza paid the interest that my town imposed, as I should not be responsible. If a lender insists on paying taxes and insurance and escrowing for same, they should have the decency to note the due dates and avoid penalties. Still- Plaza knew this amount was due and calculated its payment and escrow from the title report. The tax amount has not increased! It had actually decreased by approximately {$6.00} even with the penalty- to {$6800.00} from the title report amount. Therefore, I am puzzled as to why Plaza would feel it appropriate to increase my payment amount. I have sent them a letter and called to follow up ( 20 minutes on the phone ) to no avail.
Consumer complaint received 2017-07-14
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. (GA)

Earlier this year  XXXX   XXXX  was placed on my credit report as a collections account. I immediately disputed it directly with  XXXX   XXXX  through CFPB and the account was removed from my credit files with all  XXXX  credit bureaus and a cease and desist was placed. In  XXXX  of   XXXX   I noticed  XXXX   XXXX  was placed back into my credit file and I did not receive proper notification from the collection agency or credit bureau as required per the FCRA. No notice was given that this was being placed back into my credit file.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Originally  Bank of America stated they closed my accounts due to a business decision a few months ago, i do n't check my accounts that often and did n't know the reason until recently. I see that it was the fact that all of these claims were filed on my account. These claims were not filed on my behalf, and i found out these were actually filed by my EX GF. Whom was portraying to be me.Therefore when i spoke to the risk customer service department they advised me to call claims and tell them this info . Imagine me fi nding this out not knowing this for months. The claims department cancelled and removed all these claims from my account when i told them this info, they said to call risk back. I did and risk said they ca n't change the decision even though the claims are n't there and that i need to speak to corporate.  <P/> I do not want the account to be opened again, i just would like to bank with bank of america again, as i did n't submit these claims in the first place my ex gf stole my identity and i was shocked when i found out too. Please help.
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (WV)

Last year my identity was stolen and I reported it to all the proper entities. Yesterday in the mail, I receive a form letter from a company called  XXXX   XXXX   XXXX  claiming that they were trying to collect a debt owed to PNC Bank. I have nothing with PNC Bank. I have tried to contact the company 4 times since last night. I spoke with one agent who had me call another number last night andnwhen I called the nimber I was put on hold for about  9  minutes. I called them back today and the first time I called the guy hung up on me. The second time I called, the guy wanted me to give them my social security number before they would proceeed and I told the guy again that I had had my identity stoloen before and that I was not going to give someone my social security number over the phone who I did not know. He told me that if I would not give him my social security number that he would end the call. I told him to end the call and I hung up.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

As a service member in the United States XXXX when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days. <P/>Termination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 ) Military persons who live in rental  property are allowed to terminate leases entered into prior to a period of active service. It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm use, or other similar purpose, where the person leasing the property later enters active duty in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a permanent change of duty station ( PCS ) or to deploy with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent. <P/>In XXXX 2014, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises. <P/>To this date, there is a collections account on my credit report for {$3300.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere! I have attempted numerous times for the past 2.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service members!
Consumer complaint received 2017-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MN)

I initiated a transfer through Western Union on XXXX XXXX. I was never given a MTCN to give to the recipient of the money. I called to get a MTCN and was given the incorrect number on XXXX XXXX. When it was discovered that it was the wrong MTCN, it was too late to send the money to the person. I was then offered a refund and was given a new MTCN to use to pick up my refund. I then went with my ID and new MTCN to 4 different Western Union locations to try to receive my refund. I was turned away at each location and was told that I had to call Western Union to figure it out and that they could not find my transaction. When I called Western Union back they said that everything was fine and that I just needed to go pick it up. Seems like theft to me.
Consumer complaint received 2017-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital one gave an account to XXXX XXXX XXXX and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish