davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

Over two phone calls, I asked Citi associates to remove a large amount of interest acrued over 18 months of my unemployment, totaling {$560.00}. I did not ask for all the {$560.00} to be removed, as I understand they are a business.

A. But I am basically have to pay {$560.00} because I was unemployed. I am not doing that. That's ridiculous. That was 1/4th of my total balance. What? 

B. I have made two payments of {$1400.00} ( XX/XX/18 ) and {$840.00} ( XX/XX/18 ). 
I am not running from my debt. I am paying it. 
I am simply asking Citi to be reasonable about forcing an unemployed person to pay {$570.00} worth of interest, which at the time was 1/4th of my account balance. That's ridiculous.

C. I have shown good faith and paid the majority of the account. I did not go bankrupt or let my account go to collection agencies. Citi got their money back.

D. I have called Citi card twice to attempt to get them to be reasonable. I was shut down both times. I called their Client Resolutions phone number, as that's the department that deals with unemployed customers. They did not want to help. 

I want fair resolution to this matter. 
Please help.
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OK)

My husband and I consolidated our student loans, and in 15 years, we have never had a late payment, or struggled to make our payments. Sallie Mae sold our student loans to Navient, and after making a late payment one time, in XX/XX/2018, because I believed I made a payment, but forgot, Navient increased our interest rate an entire percentage point. I paid the student loan payment as soon as I was notified by Navient that the payment was late, and they still raised our interest rate. I called, and spoke to a representative who informed me she would submit a request to have the interest rate hike removed from the account, but it was not removed, though our conversation led me to believe it would be. When I called Navient back to question, they said our lower interest rate was a borrower incentive that had been removed, and that the 'processing department ' denied the request to add the incentive, and they would leave our interest rate higher by a full percentage point as a result of one late payment. It saddens me that after 15 years of almost always paying our payment early, one late payment would result in an interest rate hike of 1 %, with no grace on the part of the company. This is why Americans have so little faith in banks and lending companies like Navient.
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

Navient recently informed me that the company failed to capitalize my accrued interest when I entered repayment in XX/XX/2016, and that it would do so now. For the last two years, Ive relied on the amounts that Navient showed when making payments and suddenly they want to take an action to remedy their error from almost two years ago. Furthermore, instead of capitalizing the amount of interest at repayment going forward, Navient backdated the capitalization to XX/XX/2016. As a result, my loan balance increasedwith the incorporation of interest that wasnt actually accruing and that I couldnt have known about because Navient erred in servicing my loans. ( As reflected in the statements attached, specifically XXXX to XXXX. ) I called the company multiple times, and they refused to take any action, including removing the additional amount added to my loan balance as a result of their error.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report and discovered several inaccuracies that are negatively affecting my ability to obtain credit. I understand that the credit bureaus will investigate these discrepancies to ensure the information is correct. Below are the details of the account in question for your review and verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA. 

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.
Consumer complaint received 2018-09-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2018, I saw an alert on my credit report for an account from XXXX XXXX XXXX XXXX, Original Creditor 14 Santander Consumer USA Inc. on my XXXX, XXXX  and possibly on my XXXX  report for {$8500.00}. Fraudulent account with different balances that keep popping up on my report. I am in the process of disputing and they placed this on my account without notifying me. In addition, I have found Santander to be threatening, harassing and involved in unethical business practices, violating the FDCPA laws. This has affected my reputation, caused me emotional stress and has been damaging to my scores. Please delete these accounts immediately from all three of my credit reports. Thank you.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called XXXX earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus Transunion and XXXX on Monday, XX/XX/XXXX that my credit score had dropped 59 points. I opened my credit reports to notice that my XXXX  student loan status had been updated to " deferred ', which did in fact negatively impact my credit score.
Consumer complaint received 2018-09-14
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: Avant Credit Corporation (GA)

I was checking my credit score on XXXX XXXX onXX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from Avant Personal Loan ( XXXX ) with the creditor name : XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from Avant Loans cause I did not even know that company existed. I have sent a mail to the support email for Avant Loans sand is waiting for a reply.
Consumer complaint received 2018-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CT)

XX/XX/18- approximately 18,000 was stolen from my Kraken Exchange cryptocurrency account.

Emails were sent back and forth, Kraken does not have a phone number.

Kraken claimed my email was compromised, allowing a hacker to steel my cryptocurrency. Kraken provided no proof of this and law enforcement does not believe this was this case.

Detective XXXX XXXX XXXX XXXX XXXX XXXX   POLICE CYBER CRIME INVESTIGATION UNIT Office : XXXX Mobile : XXXX   XXXX  Kraken is a huge exchange and I am filing this complaint because in order to get authorized to buy and sell cryptocurrency, Kraken required a great deal of proof of identity, I had a password on my account and a XXXX. Kraken states that someone was able to change my password and once in, took the XXXX off the account. This should not have been allowed to happen! Kraken sends an email when someone tries to change the password. ( I never got this email which is why Kraken believes someone hacked my email account ) Regardless, with all the proof of identity that Kraken requires, why would Kraken allow a XXXX   code to be removed with a check mark? This code was needed to withdraw funds. Why was there not more security? That should be a red flag and further proof of identity should have been required.

My complaint is against the Kraken Exchange for not securing my funds with an in-depth proof of identity when a XXXX XXXX code is removed from a clients account.

This comment was included in the files given to law enforcement : " Update, client now appears to be part of mass compromise. Review ongoing. '' Kraken advised Detective XXXX to file a complaint through CFPB.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX, Experian credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

COMMONWEALTH FINANCIAL has inserted 2 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies because I never signed one. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Consumer complaint received 2018-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

On XX/XX/18 I informed this company of my Medicaid information. I provided my policy and member number. I have spoke with my local Medicaid office and was informed their responsibility was paid and that I am not responsible for the bill and that it is against federal law to report this account against my credit. I advised this company that I wish to dispute and open an investigation which are my rights as a consumer. I've done my part by providing all information to the company.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-07
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. (AZ)

My account with PRESTIGE FINANCIAL SVC was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

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

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


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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2018-09-28
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)

Unfortunately, I have moved three times in the last 10 months, after my husband filed for divorce. I hate airing my dirty laundry, and being the one with the sob story, but here it goes ; again. I tried explaining this to Citi card, after not receiving my bill for months. I had my mail forwarded with USPS ( multiple times ). Understandably, a few of my bills have been lost and/or never received. This applies to my Citi card. Let me also add, I am no longer even possession of this card. It wasn't stolen, but I cut it up and threw it away a long time ago. The only reason I was ever made aware of this default account is getting an email from XXXX. I have received ZERO phone calls/voicemails advising me of my overdue/late payment. I now have hundreds of dollars in late fees with Citi. I made a minimum payment ( {$300.00} ) today, the same day I received notification from XXXX, over the phone with Citi. I asked the customer service representative if she could remove the previous late fees, due to unfortunate hardship and my bills being lost in the mail. She was able to remove one. ONE. I have incurred a monthly late fee of {$25.00} since XX/XX/2018. In late fees alone, that is {$150.00}. That doesn't include the interest rate that these late fees have incurred. I offered to pay off my entire account ( {$950.00} ) in-lieu of getting the late fees removed. The answer was no. I requested to speak with a supervisor, explained my pathetic situation again, and was again told no. How is it right that I am being punished for something ( the mail ) out of my control. I did what I thought was right by having my address changed with USPS. I called immediately once I was notified of my default account and made a payment over the phone. Do we not have any forgiveness for people that are going through a hard time? I can't afford these late fees. I can't afford the interest that has been incurred in addition to these late fees. I'm a single mother with a XXXX year old boy. A XXXX year old boy that has had to move three times in the last 10 months. I haven't used that card in years ; the card was originally an XXXX with XXXX. Citi Card is a multi-million dollar enterprise. My measly {$950.00} balance will get paid, by me. Do what is right and remove the {$150.00} late fees.
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (NC)

Hi I am filing a complaint for Hunter 's Warfield inc. This company has depressed me to death as i do suffer through XXXX XXXX, Hunters warfield keep harassing me, calling my family, friends, and job threatening me wrongfully to pay them {$1800.00} that that cant show proof of original document of I even sent out a validation letter and never gotten a response from them after they harrassed me for 3 months straight. They even keep playing with my credit report first they say I owe {$550.00} and then they say I owe {$1800.00} and then they update by decreasing {$1.00} now {$1800.00} but they don't want to respond to my letter i sent them to show original proof under section 609. These guys are causing me emotional distress and playing with my report, job, and messing with all my friends and family by harassing me saying there going to show up at my home and have me arrested for an owed debt they cant prove originally. This isn't fair or right this is a violation under FCRA and must be remove from all my bureas. 

Thank you Cfpb for helping were glad that you are here to help in situations like this
Consumer complaint received 2018-09-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation (TX)

On XX/XX/18 XXXX XXXX contacted my mother in law and told her that they were going to sue us if we didn't pay them. Not only did they tell her about our debt, they threatened legal action. This company has also repeatedly called my husband claiming to be someone from his place of work just to get him to talk to them. They are dishonest and corrupt.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (TX)

Midwest Recovery inserted a fraudulent account into my credit file. Not only is this fraud Midwest Recovery has failed to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform this company that this account do not belong to me and is a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have never dealt with Diversified Consultants or the company XXXX that you represent. I have never ever had any obligations to pay either of you to owe you anything. I have never signed any documents that would bind me into any agreement with either you. Diversified has never even contacted me concerning this account to give me my right to dispute  the validity of this account. Please remove from my credit file immediately