davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (TX)

This particular company is allowing customers to make their payment with the 15 day grace. And not advising that this is a daily simple interest loan that in cumulates more interests earn. In addition they are not able to make same day payments and always advises that they will post the payment the following business day to allow the company to accrue additional interests. This is unethical and I think that this company needs to be reviewed under CFPB. Any company is able to make a payment and backdated to the original payment date that you called in period I called in at XXXX o'clock central standard time and advise that my payment will not post till Monday due to it being considered the following day being Friday. That is absurd and ridiculous for companies to make additional money off of consumers
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

On or about XX/XX/XXXX, I, XXXX XXXX XXXX contact my bank to confirm that the Treasurer of Virginia on behalf of Virginia Department of Health Professions was certified funds in the amount of {$300.00} for the reinstatement of my XXXX XXXX license and receipt of such confirms that Wells Fargo Bank, N.A. is also the the banking institution for the Virginia Department of Health Professions ; like most Commonwealth of Virginia agencies. The Commonwealth of Virginia/Department of Health Professions/Board of XXXX has been taking up action against XXXX XXXX XXXX on behalf of Wells Fargo Bank, N.A. with the most recent evidence being this check and secondary evidence being an unlawful detainment of XXXX XXXX XXXX in XXXX facilities and taking action against XXXX XXXX XXXX as it relates to the unlawful detainment and/or involuntary detentions ; dating back t XX/XX/XXXX to the present. A third of the fees utilized to pay these fees to the Virginia Department of Health Professions was from a portion of the misappropriated fees in a property inspection case by Wells Fargo. The only requirement was that the check or money order be made out to the Treasurer of Virginia.
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (IL)

So on XX/XX/19 ... without any notice or warning or just simple courtesy, my credit card company decreased the credit limits on my 2 cards. One went from XXXX to XXXX and the other went from XXXX to XXXX. 
I have never missed a payment in 3 years. In fact, I just made a XXXX dollar payment the previous month. I have fought to get my credit back up, and now they are saying I owe too much money with other cards, even though my credit utilization is at 31 % ... the best it's been in awhile because I'm working on it. It was over 40 % ... Now my credit utilization is going to increase significantly with the limit decreases. In fact, I have never missed a payment on any credit card or loan, I pay my rent on time every month ... and now I'm not credit worthy? 
I tried to call and talk to them and they said there is nothing they will do for me short of me paying off most of my outstanding debts to other companies..which I have been working on ... which is why my utilization has been decreasing. 
I have been paying on time and consistently to every merchant. This is going to cripple me and bring my credit score back to where I started. I have never heard of a credit card decreasing your limit without a single missed payment.
Consumer complaint received 2017-07-09
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. (OH)

I called  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  and spoke with  XXXX   XXXX , the bran ch manager.  She stated that an email from management was sent out to the employees informing everyone that a " false '' inquiry was completed on many member 's accounts via  XXXX  and they were not sure how to correct the problem. Given  XXXX  failure in the past to correct many problems for members and employees, I did not want to take the chance that this would not be corrected. I did not give  XXXX  permission to pull a hard inquiry on my credit as I have not and will not apply for any credit with them now or in the future.   I have attached the letter I have sent to  XXXX  and copied the CFPB and the OCC on this letter as well. I have sent a copy to  XXXX  Board of Directors and the CEO. Please do your best to correct this issue and remove the hard inquiry from my credit report. I thank you sincerely for your assistance.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

Is it legal for the Credit Bureaus to reflect late pays and charge-offs on debts that were NOT late and were in good standing at the time I filed my Colorado bankruptcy in XX/XX/XXXX ( due to loss of income and unemployment )? My bankruptcy discharged at the XX/XX/XXXX. My debts were all in good current standing at the time I filed bankruptcy. All my debts ARE reflected as " discharged in bankruptcy '' with {$0.00} balances now in my credit reports. However, some of the bureaus are NOW also reflecting XX/XX/XXXX ( possibly earlier ) some " late payments '' and " charge-offs '' on those same debts during the 3 months that the BK was " pending '' prior to discharge from XX/XX/XXXX - XX/XX/XXXX XXXX. Everything I have researched on the internet states that these previous creditors are reporting " false '' late pays since they are reflected as " late '' AFTER my BK was filed. Based on the BK laws, I was to discontinue any payments toward any creditor ( which I was unable to do anyway ) after I filed BK so how can they NOW claim " late pays '' and " charge-offs '' on those debts? I had NO late payments NOR charge-offs on my credit record at the time of my BK was filed. All my payments were current and in good standing at that time of my filing for BK. Why are the credit bureaus reflecting this erroneous designation now on my reports? If this is WRONG, why do I have to spend the time and effort disputing all of this when it is defined in the Fair Credit Reporting laws and the bankruptcy laws? This is like being accused of something I am not guilty of and I have to " prove myself innocent '' and am assumed guilty when I am innocent based on the bankruptcy laws. Do n't the credit bureaus have some way in their software to cross-check this information and notify the credit card companies they are illegally reporting something incorrectly? They can not accuse me of late payments and charge-offed debt AFTER my BK filing date when I was actually current on all my payments at the time I FILED my BK, can they?
Consumer complaint received 2018-05-12
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. (NC)

I am a victim of identity theft I have worked extremely hard with Equifax a year now about my credit I have sent verification of documents, Police Report from the XXXX police department, even hired an attorney who has been communicate with this company. I also have documents from the company that are fraudulent on my credit for inquiry to open accounts. it has been more than a year almost the inquiry are still on my credit. those company has informed all three of the credit bureau. Equifax has changed my credit score down I have not apply for any account yet my score is down when I last check it was in the XXXX or higher. I called to ask what was going on a young man by the name of XXXX I sure I am not spelling his name correctly but that is the way I had received it when I asked him to spell his name. Because I informed him that I was recording our conversation for documents purposes I was told to resend the same documents again to fax # XXXX witch is the Dispute Dept. and send it again to the Fraud Department # XXXX these are the company that sent me letter of open fraud applications. now I have 17teen inquiry they have not removed. The young man told me they still are showing my maiden name but the Equifax credit show XXXX XXXX. He said it still shows XXXX XXXX I have the change on my Equifax that's why I know they received my information. I don't understand why they are not updating my credit. XXXX, XXXX, to applications, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX two times one was tired for 2days in the same month. another in XX/XX/XXXX. I informed XXXX XXXX XXXX about the situation that is was fraudulent they said they had already reported to all three credit. XXXX 's had showed the application as fraud and sent it to all three credit bureaus, I still have other things that I am disputing My lawyer has taken over that. I hope this issue can be resolved soon.
Consumer complaint received 2017-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

I disputed this enhanced recovery corp account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
<P/>
Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
<P/>
enhanced recovery corp failed to validate this account. This account need to be removed immediately. enhanced recovery corp is violating the laws. There are two accounts from Enhanced recovery corp on my credit that needs to be removed.
Consumer complaint received 2024-10-14
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: NAVY FEDERAL CREDIT UNION (SC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a XXXX  punishable with up to XXXX XXXX XXXX XXXX in addition to civil liability. See attachment
Consumer complaint received 2017-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

I 've contacted this company twice since XXXX to provide me with proof that this account is in fact mine, which it is not. They have not provided me any proof and they are reporting negative information on all XXXX of my credit reports.
Consumer complaint received 2017-06-23
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: Experian Information Solutions Inc. (CA)

1. Ex perian reuses to give me written explanation as to WHY what was exact reason EXPERIA REMOVED  XXXX   XXXX  from my report. It appears to me that every complain I make Experian intestinally causes me more harm. I will consider this a willful act to cause me harm. I am seeking legal advice.   XXXX  Please post this and forward to FTC.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I have received, without explanation that a % penalty has been applied against me for failing to maintain a good account status. However, Ive always been in good account standing with all my banks through their available methods ( deference the, forbearance, or IBR ). I can not find, not have I received any information supporting that penalty. The amounts have been recalculated and added to my loan principle.
Consumer complaint received 2024-10-14
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have recently acquired a Best Buy - Citi Visa card. Before i ever used the card I called the phone number that was provided on the back of the credit card. I called to ascertain what payment amounts would be required and asked how to figure out, on my own how to figure how much money I would be required to pay. The person I contacted told me that I would never be required to pay more then {$27.00} a month. I wanted to be sure so I asked how much the minimum monthly payment expected for the card would be if my balance was {$700.00}? The person told me that the payment would be {$27.00}. I asked how much I would be required to pay if my balance was {$1500.00}? The person told me that my payment would be {$27.00}. I then asked how much my minimum monthly payment would be if I maxed the card out to {$2000.00}. The person once again told me it was {$27.00}. Last month my minimum payment was {$35.00}, and this month it was {$42.00} in a balance of a little more then {$1300.00}. I would not have used the card if I had known that I would be charged this amount of money. The amount is well over {$27.00} and the payment only payed {$13.00} to the principal. I was lied to and feel taken advantage of. I was not prepared for the credit card people to outright lie to me when I called them for information on how to figure out the payment expectations for using the card. When I called and asked the credit card people from the number that was provided to me on the back of the card, where I could get help from a governing body for credit cards he evaded my questions over and over. Finally I asked what country he was in and he said he was in the XXXX. The time was XXXXPST on the date XX/XX/17. He said his name was XXXX but he failed to give me any information that I could identify him with. Very sleazy situation. I asked to talk to his superior and he told me that this was not possible. He then said he could connect me with an American office. I was pretty sure he was about to hang up on me ... and he did. After " XXXX '' hung up on me I googled for help and found this web site. I hope you can help me figure out how to best deal with this very sleazy situation. Thank you, XXXX XXXX
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (NJ)

Opened account around XX/XX/2019 Funded acoount via ACH in the amount of XXXX around XX/XX/2019 account was closed and online access restricted. 

bank call center indicating my account has no balance and no record of opening deposit. 

the canceled debit card number as i do not know the account number is XXXX
Consumer complaint received 2019-10-31
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.
Consumer complaint received 2017-01-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC. (DC)

Describe what happened so we can understand the issue ... 
I applied for an auto loan on XX/XX/XXXX with SunTrust 's lending arm, XXXX. On XX/XX/XXXX I called XXXX after receiving a notice to contact. I provided all the information asked. I then received a notice to provide a copy of my work paystub and proof of liquid assets by the XX/XX/XXXX deadline. 

I uploaded a copy of my most recent paystub and a screenshot of my liquid assets which showed all of my accounts and proof of name/address on XX/XX/XXXX. 

I received notice on XX/XX/XXXX that XXXX would not accept the screen shot and they no longer wanted proof of only liquid assets, but liquid assets and work deposit that occurred within the last 30 days. XXXX also now wanted a copy of my XXXX from XX/XX/XXXX instead of a paystub. XXXX did not update the deadline date, instead the deadline was still listed as XX/XX/XXXX 

I do not receive my official bank statement until XX/XX/XXXX, and I 'm paid monthly, and I do not always choose to receive funds verse reinvesting into the company, so I was waiting until that date to provide an official statement as they, as I had not been given a deadline as to when these new documents must be received by. 

I 'm sympathetic to the fact that XXXX must take all necessary steps to protect itself during the loan process, however, when XXXX updated what new information they needed, they should be required to have an updated deadline for when that information is required, listing XX/XX/XXXX for when information is required on XXXX XXXX, is deceptive to the customer. On XX/XX/XXXX, I received a notice that my application for a loan had been rejected because I had not submitted the information requested by the due date ( again no deadline was given for when this information must be received ). 

I tried to contact XXXX via SunTrust Bank ( XXXX is a subsidiary of Suntrust ) for a resolution on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from XXXX XXXX in their XXXX XXXX Department who said she would look into it. On XX/XX/XXXX, I spoke with XXXX who said her XXXX had sent a letter on XX/XX/XXXX, saying too much time had gone by from the first application and that I should reapply, meaning an additional Hard Credit pull on my account. 

XXXX 's process is deceptive to the consumer, not listing updated deadlines. 
XXXX advertises on their website " Your best loan experience guaranteed or {$100.00} is yours! " However, you 'll find out upon digging deeper, they only give you the {$100.00} if you 're approved, I would say this was by far the worst loan experience I 've ever had. 

Ultimately, XXXX asked for additional information without providing a timeline for when that information was due, which is a deceptive business practice.
Consumer complaint received 2019-02-12
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: ERC (TX)

Enhanced Recovery is reporting a charge-off of {$99.00}. This debt does not belong to me and has been reporting on my credit file for 3 years and 11 months. My credit bureau indicates that the original creditor is XXXX XXXX XXXX XXXX. I do not have and never had an XXXX XXXX XXXX XXXX account. Enhanced Recovery is reporting inaccurate data on my credit file. Based on the FDCPA, a debt collector must notify the alleged consumer of the debt. Section 809 ( b ) [ 15 USC 1692g ] Validation of Debts. I was never notified of the debt, therefore I could not dispute the debt. Two violations have occurred, Violation of FCRA- Inaccurate Reporting and Violation of FDCPA notify consumer of debt.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check given to me because I won a judgement from XXXX XXXX, the check writer. I physically entered the branch, it is also the bank I bank in. I endorsed check 2, XXXX and asked it be cashed. The teller went into check writers account and okayed the check for the amount of XXXX. I then had the teller deposit XXXX and give me XXXX in cash. The bank, CHASE BANK, then kept the check for a week and after a week they sent it back for insufficient funds. Charged me XXXX and a XXXX per check that bounced, which they were two because they sent it back. I called the bank spoke to everybody up the ladder till I reached a manager, who informed me that they can do anything they want with my account for 6 months after check was cashed and the remaining cash then deposited. I went into the physical structure and they refunded my charges of XXXX. I went into the bank cashed the check, the funds were in there when I entered the branch, because she cashed it after checking his account, means that the funds were in there. They can't deny that.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WI)

My consolidated PLUS loans are now serviced by NAVIENT. I am in the IBR program and make a {$420.00} payment every month. Due to the high interest rate on this loan, there is no possible way I can ever pay any of the principal balance on this loan and no possible way I can ever pay down this debt. In XXXX they capitalized over {$3500.00} in interest. How will I ever get out from under this debt if the interest keeps increasing my Principal balance ... I am so frustrated with this unfair and unrealistic position.