davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Disputed a judgement on my report several times and within a couple of days I would receive a response from Equifax stating the investigation was complete and information verified however I never received any verification or proof that information was verified. Before knowing that I could file a complaint with FCRA, I filed a complaint with XXXX and received a response from Equifax stating that after investigation the Judgement was deleted from my report however it is still reporting on my report. I have attached a copy of the response that I received in regards to this issue.
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I had opened a XXXX bank account back in XXXX using promo code XXXX. This promo code granted you XXXX thank you points after you make at least XXXX bill payment for two consecutive months within 60 days of opening your account. The bill payment has to be initiated from your online account at citi.com using their own bill payment system and it has to be an external bill. 

When i called citi to open the account i told the rep about my code, and he said it should not be a problem. He informed me it would be easier to fill out the application online. I did this, and submitted the code for the promo. Fast forward to XXXX, i have met the requirements, and confirmed with custer service chat rep ( see attached ) they inform me the points will post sometime in XXXX. I send a message to citi askign when my points will be deposited as it is now XXXX. They do an investigation, and tell me since i was not targeted for the offer i will not receive the points, even though a representative from their company told me i would. 

I have since been paying XXXX a month for this bank account, and they refuse to honor the promotion. I am seeking the XXXX Citi thank you points.
Consumer complaint received 2016-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association (OH)

New York community Bank which took over Ohio savings bank has pushed their Elite banking every time I go to a different teller or re-up a CD. Recently I received a mailer asking that I join the Elite plan and get the better results in interest. You have to keep your balance at over XXXX and the increase in interest only affords you a payout of XXXX dollars a year. In the Mailer it explains in very fine print that the accounts are transferred to XXXX. That was never mentioned before and the cover letter is on Bank Stationary which mentions FDIC. The fine print of themailer mentions that it is not insured by the FDIC
Consumer complaint received 2016-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (MN)

On XXXX XXXX, 2016, I contacted MOHELA because I logged into my online account and suddenly saw a very large accrued interest balance. I had been paying what had been displayed on their site as the accrued interest even though my payment was {$0.00}, due to a partial financial hardship. The amount was pretty consistent, as reflected by my payment history, so I assumed it was correct. I was under the assumption that, having paid the accrued interest while my payment was {$0.00}, I would not owe any interest, so of course I was surprised to see this large number. The person I spoke with, XXXX, volunteered to file a complaint for me, but I never heard anything. 
Today, I contacted them again about a separate issue, and tried to resolve this issue as well. I spoke with someone named XXXX, who was very condescending but ultimately managed to explain the issue of the day. He did not know, however, how their computer system allocates a payment to the loans if your payment is {$0.00}, which troubles me. So my complaint is XXXX in this case : 1. Why was their online system displaying an incorrect amount of accrued interest for most of last year? 
2. Why are n't payments applied in some logical way to interest first and then principal or however they 're supposed to be applied? 
3. What good does it do for them to file a complaint with the DoE or wherever, if it just goes into the ether and I never hear back about it?
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (OK)

They convinced me to keep my loans on forebearance for a few years until I was no longer eligible for forebearance. After that, my balance due skyrocketed and I was asked to start paying a larger amount every month than I can reasonably afford.
Consumer complaint received 2016-12-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (DC)

I applied to switch from Income-Based Repayment to REPAYE. After submitting my first application, my servicer switched me back to the Standard repayment plan, which is not what I requested. So I applied again, and got a message back saying that my request was denied because I had not made my payment under the Standard plan " within 15 days. '' I have Direct Debit on my account and I have made every payment on time since entering repayment. Today I applied for a third time but I am not confident they will process the application correctly.
Consumer complaint received 2016-12-06
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CNG FINANCIAL CORPORATION (AL)

I 'm still on chapter 13 so I have 2 loans out now that I did not know i could n't get! It 's hard to pay them back but they is not in my chapter 13! Once going to happen once they find out I 'm off chapter 13
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

In the case number referenced above the creditor XXXX loan servicing was deleted from my credit file. As of XXXX/XXXX/2016 the creditor was placed back on my credit file without notice from equifax information services llc
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

I have a loan with OCWEN loan servicing, and it will be sold to a new company named XXXX XXXX XXXX on XXXX XXXX, 2016. I never got a fair review with OCWEN and I am attaching a more detailed letter for my complaint and supporting documents. OCWEN denied me for all modification options and switched my review to a short sale without my consent. The new company that will be taking over my loan work with short sales, so I believe OCWEN purposely denied me before selling my loan so the new company can finish the short sale. Its a win for both the companies but not for me, an investigation needs to be done, I believe I am not the only homeowner, and OCWEN was already sued.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (FL)

To never get a respond back from them. i sent a Debt validation letter to this company, Rent Recovery sol, LLC about a debt Im supposely owed them to never get an answer back from, them or XXXX, XXXX, or XXXX. Please sent me an respond back about this debt.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a 2013 bankruptcy that was placed on my credit report. I have been trying for over 6mths to get this entry remove and deleted.I have spoken to several agents in regards to this public record. I called the credit bureaus to verify how they obtain they information on public record..I was informed that carriers gets the information from the court house and then brings it back to the Credit Bureaus for input.So I asked that information/form be sent to me cuz I needed proof of this information.I was told they can not give me that information. After doing my own research I learned that is Absolutely incorrect information.The court system DO NOT disclose, release or VERIFY ant information wit The Credit Bureaus or Any 3rd Parties. so with that information This bankruptcy entry needs to removed and deleted from credit report.
Consumer complaint received 2016-12-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I received a bill from XXXX a couple of months ago, I called them and told them it was not my bill, I was told it was a speedy cash loan taken online. I filled a police report, sent information to XXXX and Speedy cash that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a speedy cash loan. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (FL)

My wells fargo credit card got decline at the store couple of times, I went online to check the status & found a note to call at the number. When I called them, i came to know that they blocked my card & provided no reason for that. On requesting further details, I have been asked to visit the branch. I requested them that during office hours, I may not visit your branch & kindly provide an alternative. On that note, my request is forwarded to the concern dept & since then I am waiting for call. On calling them to inquire about the update, the officers appears to very rude. 
It has been more than 24 hours but card is blocked & nobody is giving any explanation to me, why they have blocked it. If they need to inquire about any transaction activity or else, they should have called me before blocking my card. I felt very embarrassed at the store. You are requested to take strict action to ensure that going forward any other consumer would n't face such inconvenience.
Consumer complaint received 2016-12-20
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Ad Astra Recovery Services Inc (PA)

last year i was something inaccurate on my cbr and i contacted this creditor to get this resolved i sent them a copy of a police report and a letter stating this was identity theft. They are now asking for me to submit this info to the support desk at XXXX but its not working when i contacted the company they were extremely rude and would n't provide a alternative to submit my police report for this fraudulent claim
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX : number : XXXX
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Army and Air Force Exchange Service (FL)

MILITARYSTAR ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MILITARYSTAR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MILITARYSTAR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have a loan from Navient for XXXX school that I have been paying back. I was over due on my payments and tried to make a partial payment on Navient website but it would n't let me make a partial payment under what they wanted which was {$1000.00}. I was forced to put my loan into forbearance again. This keeps happening with them and they have not offered any kind of plan with lower interest rates for me to pay them back.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

I have contacted Navient several times about lowering the payment on my private loan. It is impossible to even get a hold of them due to their horrible customer service. I will get an agent and then get transferred to a dead line, or simply the phone call will end. The times that I have been able to contact and talk to someone about my issue, they have stated that my payment will be lowered, which never happens. There is no follow through. Nothing. I have been told that I would receive a call back and I never do. They offer no options for private loan repayment. They tack on ridiculous interest rates to the point that most of the money on this loan I did not take out. This is out of control. I feel like I am a victim of fraud.
Consumer complaint received 2016-12-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (TN)

On XXXX XXXX, I called Navy Federal Credit Union in regards to my auto loan account stating that I owed around XXXX dollars by XXXX XXXX, 2016. I called to inquire why this was. NFCU stated that my loan was up and I need to pay that amount by the XXXX of XXXX no if ands or buts. I stated to the Rep that I was unable to do that and I stated that I could continue to pay the XXXX for the rest of the loan. She said no and I could get the car refinanced, I stated " OK '' and she proceed to give her my information. She came back and said my payments would be around XXXX for 6 months. She said this will take around for days to be processed and updated. I have not heard back from NFCU, believing they do not care and only want there money. When my accounts are past due NFCU limits my ability to log on the account. after also reviewing my loan account, its looks like NFCU has charged me over the life of the account numerous unnecessary fees of XXXX to bring my balance up.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC (AZ)

XXXX XXXX XXXX XXXX, managed by XXXX XXXX has received a judgement against my home that I am attempting to sell as a short sale and the attorney representing them is not willing to submit a settlement to the XXXX XXXX XXXX XXXX or XXXX on the contrary they have said in an email to my Real Estate Broker that they are going to charge addtional fees on this file if he continued to ask questions of them regarding the debt settlement. They are forcing foreclosure upon me when HUD and XXXX XXXX have allowed them a settlement amount and they are not willing to negotiate their inflated fees and settle this account so my home can be sold.
Consumer complaint received 2016-12-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

This debt collector has been erroneously reporting late payment and delinquent payments for the last year. This company is an fraudulent debt collector/mortgage servicer and should have been closed down by the financial regulators. How is the bureau going to allow Bayview Loan Services to continue over the last 10 years to fraud and steal from American citizens?
Consumer complaint received 2016-08-03
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Integrated Recovery Services (NJ)

Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of 2 companies, but when forwarding the information to me, it only referred to 1 company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either one. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has been erroneously reporting derogatory information regarding account ending XXXX to the credit bureaus since XX/XX/2013 in XXXX separate areas, one as collections and the other as a charge off. This duplication is causing excessive inaccurate credit reporting and reducing my credit score. I am requesting Wells Fargo to delete the tradeline.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC. (VA)

An inquiry for SunTrust Bank appeared on my XXXX credit report, an inquiry I did not authorize. This occurred while there was an active fraud flag on my account. 

I began by filing a dispute with XXXX, but the inquiry remained. 

I then wrote a letter to SunTrust and asked that they remove the inquiry, but it remained. 

I then filed a XXXX complaint on SunTrust. In response, SunTrust sent a letter stating that the information submitted on the application matches my contact information. That is not responsive - if someone is using my identification to fraudulently obtain credit, they are, by definition, going to use my information. 

SunTrust has declined to remove the inquiry, and that is unfair and inappropriate.