davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (CA)

I refinanced my student loan with ACS ( now Conduent ) in XX/XX/XXXX. I have been making payments of {$350.00} ( amount due each month {$300.00} ).  Normally I get a 1098-e notification in XXXX. I didn't this year. This week I tried to prepare my taxes. I went to the website where I found out the name change. 

I was able to login on XX/XX/XXXX but when I tried to access any information about my loan amounts it was empty. When I tried to find a 1098-e to download it didn't have one. I left a request for customer service. I didn't hear anything either by phone or my email. 

On XX/XX/XXXX I searched for customer service phone numbers because they aren't on the website. When I called all 3 published numbers available on the web, they were disconnected. When I tried to login on the website their message was that they no longer service my loan. 

I have received no information about a transfer of my loan. As the permission I gave to the company to deduct my payment is no longer valid, I have stopped payment for future payments with my bank. I don't want to be arrears for my loan which could easily be solved if I knew who my current loan owner is. I also really need the 1098-e form for my taxes.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

XXXX locked my card and will not unlock it advising me that I need to send in proof of who I am when I have already done that with the local government! Who do they think they are to lock someones money up its been a month Ive sent in information and still my card is locked. My card has thousands of dollars on it!
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (TX)

I received a call from Stoneleigh Recovery Associates XXXX XXXX XXXX XXXX XXXX, IL XXXX. A " XXXX XXXX '' left me a message to return his call at XXXX, The call was spoofed as " XXXX '' I guess to appear as a local number so I would answer. I returned the call and talked to XXXX XXXX and he advised me it was a an attempt to collect on an old XXXX XXXX credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whole nine yards. he just refused to accept that I did not want to speak to him. My issue with XXXX XXXX is between myself and them. If they have chosen to sell the debt some day i may be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from XXXX which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Section 807 : A debt collector may not use any false, deceptive, or  misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of section 808 as well : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
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I want the calls stopped and I want an investigation into the violations I cited above
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

I applied for a Home Depot credit card on XX/XX/XXXX. The card was approved, and website had a promotion for {$50.00} off of my purchase amount. Due to not receiving an immediate email I called HD credit and was told not to worry as {$50.00} would come off on my first statement so order was processed. When the {$50.00} did not come off of my first statement, I called and received an apology telling me to pay the balance less the {$50.00} and it would clear ASAP. That did not happen and when I received a follow up statement, I called again and was assured they were working on it. Yesterday I learned they are unwilling to honor this promotion as I qualified for a another promo, which I assume relates to interest rate however I paid the card in full within 30 days and they would not explain the promotion? Regardless I went ahead and paid this undue money and closed the account due to extreme dishonesty XX/XX/XXXX. I did file a formal complaint with the Home Depot organization, complaint number XXXX. At this point the fraudulent activity needs to stop with this extremely dishonest organization, which is the reason for this complaint. 
Thanks, XXXX
Consumer complaint received 2017-06-02
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: EQUIFAX, INC. (GA)

Equifax refuses to delete multiple unauthorized inquiries from my credit report. There are multiple inquiries from the same company. The unauthorized inquiries must be deleted.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-02
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. (FL)

Same old same old- just recording for legal purposes.  Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it.   XXXX   did not allow me a dispute again. Lenders claim they " were '' not notified by  XXXX . My core has not gone D O W N even with numerous corr ections.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (VA)

Fay Servicing is actively pursuing foreclosure. I requested a payoff statement from them on XXXX XXXX, 2017 and as of XXXX/2017 we have yet to receive it. I contacted the company on XX/XX/XXXX regarding the payoff request and they could not pull it up in their system nor provide the payoff information. I also requested a status on the foreclosure and was told it was in " active foreclosure '' I asked for an explanation and they said it is active foreclosure and early in the process. I asked again for what early in the process means since I have not received any foreclosure information and they refused to provide any further details.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (UT)

Enhanced Recovery is double reporting the same debt on my credit file for XXXX XXXX. As per my understanding this is a violation of the FCRA to double report the same debt on my credit file. This needs to be fixed immediately.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

We obtained financing for our apartment, which is a unit in a cooperative building in NY, back in XXXX of XXXX and closed. Ultimately, the debt was sold off to another lender, then to another, before finally being sold again to XXXX ( with our loan being serviced by LoanCare , LLC ). By the middle of XXXX, we had paid off our mortgage in full. At this point, we had tried to obtain a home equity line of credit and discovered that we could not without having the original stock and lease certificate in our possession. 
The original stock and lease certificate is unique to cooperative buildings and serves to provide the holder with the right to live in the unit. Without the original, the building can not authorize the sale of the unit. This was held as collateral by the lender at our closing and should have been released to us upon our payoff of the mortgage. We've had requests in for LoanCare and XXXX to provide us with our original stock and lease certificate for over a year now and have called repeatedly and frequently to get updates, reinitiate request tickets, and have just been given copies ( which are useless to us ). LoanCare and XXXX appear to have no idea of how a cooperative building works and never seem to understand why we need the originals. In recent months, they tell us they understand what we need exactly and continue to provide us with copies. At this point, it is clear to us that they do not have the original document and should be providing us with an affidavit of lost stock certificate to provide to our cooperative building so that they can issue a new one to us. However, they refuse to do so.
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IA)

I started this loan in XXXX of 2005 and started paying the interest. on a XXXX loan. I have paid XXXX not including fees. I have a 6.5 % interest rate and I still owe XXXX. They claim interest is accrued daily and wo n't explain what that means. I have paid more than double the amount with fees easily But they only apply to the interest not bring down the principal thus then charging me interest on my interest daily and never working down on the principal. They wo n't let me release my co signer and they wo n't let me consolidate it into my fed loans. I have written my congressman and because its a private loan they ca n't touch it. They also call non stop and wo n't stop. They also have ruined my credit and my mothers credit who is a co signer.
Consumer complaint received 2021-09-16
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. (LA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-26
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. (LA)

I have been contacting Equifax since XXXX of this year 2020 to update my information. I have faxed, called 8 times, only to be told 8 different stories about why I cant personally see my account along with why my account has not been updated since XXXX of this year 2020. They tell me they will do an investigation and get back with me but no one has gotten back with me or fixed this issue.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX, I got laid off from my full time job at four months pregnant with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to XXXX before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform XXXX and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had XXXX control of. So now I have one negative mark on 22 loans with XXXX, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at XXXX had a XXXX, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has XXXX remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a government contractor, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with XXXX. XXXX XXXX email : XXXX XXXX
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC (GA)

Judgement was placed from XXXX XXXX loans for a proposed loan that exceeded the federal time limit. I requested proof and nothing was provided. Currently judgement is on my credit damaging my credit score.
Consumer complaint received 2020-10-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated o
n XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (VA)

I tried to call the numbers on the letter I received, however, they kept telling me to go online and complete the dispute papers. I didn't feel comfortable filling out forms that wanted my social security number, since someone has already applied for an account under my name to start with.
Consumer complaint received 2017-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am attempting to close the equity line of credit. Bank of America is refusing to file necessary paper work to get lien release without me paying fee of {$13.00}. I have contacted them several times but they continue to refuse to close the loan and get loan release without me paying them {$13.00}. At time of closing I asked if there were any fees to close line of credit and I was told no fees of any kind.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.
Consumer complaint received 2020-10-26
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. (GA)

Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2019-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (IL)

In XX/XX/XXXX I purchased a property in XXXX through Loan Depot. I hired a bad contractor and 203k consultant. Loan Depot paid the contractor over 96k and the contractor failed inspections with the City of XXXX. Lon Depot did not ask for a city inspection until i fires the contractor. That seemed very strange that they waited until they paid the contractor XXXX to ask for a city inspection. This has put me in a real bad stressful situation. I had to pay for things, twice, to get corrected and up to code which prevented me from finishing my property. Ive been struggling to get things done in my building and pay my mortgage for the last year. I had not missed any payments until XX/XX/XXXX. I was able to get a forebearance in XXXX because I work for the government and did not know if I would be affected greatly by the government shutdown. Now Im struggling to make payments because I have to make repairs to my home due to it not being completely renovated. For example my pipes burst due to the Polar Vortex in XXXX which cost me a lot to repair. The pipes froze because I dont have any walls up in my first unit. I had about 13 or more busted pipes. I called Loan Depot on XX/XX/XXXX to see what options I had. I was told I could extend my forebearance and they sent me a modification package which I have not received. Today XX/XX/XXXX I called to extend the forebearance and i was told I couldnt. I cant believe I was lied to. I am so upset that Im struggling due to their negligence and they wont help me. I also begged Loan Depot last year to close my fha case so I could refinance they said they would and did not do so. I am paying way more in interest than I should be and cant even refinance to save money to finish this renovation. I cant get help from other banks because my building is not completed. This has been a really bad experience. Im upset that my credit score may decrease as well. I have all of my emails from Loan Depot if needed. I also have pics of the work from the contractor that failed. I also have all my docs from the complaints I made about the contractors and consultant. I hope I can get some help!!!
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/2019, I made online order for a sandwich from XXXX restaurant for {$5.00}, using the Chase Freedom credit card. I applied a XXXX promotional coupon in the amount of {$5.00}. So the correct charge should be {$0.00}. However, the charge appeared on my credit card account was {$670.00}. 

I called the merchant, XXXX restaurant, to verify the charge. The representative confirmed that XXXX only charge {$5.00}, less {$5.00} to my credit card. 

I contacted Chase credit card service and opened dispute about the overcharge transaction. However, Chase insisted that the {$670.00} charge for a XXXX sandwich was valid, despite the response from the merchant stated clearly the amount of the charge for the transaction should be {$5.00} rather than XXXX. 

I have escalated the matter several times to Chase 's supervisors. I directed them to the evidences provided by both the merchant and myself, to show that there is no discrepancy between. The supervisors fully understand the situation, but kept on saying that the charge of {$670.00} was valid and there is nothing they can do about it. They refused to discuss further with me when I asked them to explain how Chase came to their ridiculous nonsense decision. 

I feel there are some dark secret behind Chase 's operation and need CFPB 's intervention to look into the case.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to disputed account on my credit report that were madewithout my consent. According to section 604 of fair credit credit reporting to section ( 15 U.S.C 168 1B ), There are specpecific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX