davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CA)

I was required to pay {$25.00} interest each month on my student loan. I missed a payment so was in arrears by {$25.00}. So i logged into the Sallie Mae website and set up an auto debit of {$50.00} per month so that I would clear my arrears and start paying down my loan by more than my minimum. When the auto debit came around instead of taking {$50.00} out of my bank it just took {$25.00} leaving me in arrears. I then got phone calls and messages from Sallie Mae telling me I was in arrears. When I checked the auto debit was still set up for {$50.00} per month but despite that Sallie Mae only took the minimum {$25.00} out. When I phoned up to ask why they told me that that is the way the system works and that I could not set up an auto debit for more than the required minimum. This is despite the fact that there online system allowed me to do this, still reports that I have a {$50.00} per month auto debit and above all else should allow me to pay down my loan faster than the minimum. When I challenged them again they told me that the only way to pay down the loan faster was by one off single payments. 
My frustration was that at no time was I told that I could only pay off the minimum amount of {$25.00} through the auto debit system, and that by not taking out my {$50.00} payment it kept me in arrears unintentionally on my part. 
I should be able to pay down my loans faster if I want though the auto payment system and if this is not possible Sallie Mae should have notified me when I set up the auto debit and not then complain when the arrears payment was not taken out by them. 
For students learning about how to handle financial management the system in place seems to only help Sallie Mae not the student. In helping to keep the student in arrears even when they tried to pay off the loan faster than required. 
Even there new look website is poorly designed mixing interest with payments in the same column so its harder to see how the loan balance is going up or down based upon the loan servicing. Why oh Why does the loan statement not separate additional charges and interest into its own column separate from the payments made to pay down the loan. This would give students a much clearer idea of how there loan is progressing rather than having to read down and across for each number to understand its meaning. Once again a missed opportunity to make it easier for students to service there loan.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

complaint about Rash Curtis & AssociatesI had no clue what this account was back in XX/XX/XXXX .... I was contact by a company XXXX XXXX XXXX and was told i had XXXX accounts with home plus and was over {$3000.00} not knowing what this was but was trying to clean my credit i paid there settlement o XXXX releasing me from these account and they said they would report to all XXXX credit bureaus. I have been fighting to get theses off my credit I made a few phone calls and got know where. rash curtis just gives me the runaround and cant provide any documentation. now there re-reporting and changing the dates from XX/XX/XXXX to XX/XX/XXXX?? i have a documents to prove this was paid and that they contentiously are change how they report on my credit report.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DC)

I have been a customer for over a decade with PNC. Last year they convinced me to change my type of account promising no additional fees and only positive changes. The main selling point being that they would now pay for other financial institutions ATM service charges. Turns out, my previous account did n't have PNC charges for non PNC ATMs. So this account had extra fees! I called in and asked to be reverted to my previous account type and was told it no longer existed and that was n't an option. I was upset at the false information given to me, but as long as they were paying for both sides of the ATM charges that was ok. Now, less than a year later they are removing the main selling point feature of paying for other institutions ATM fees!! I stopped by a branch with no help. I called in to the service center with no help. And, when I referenced the CFPB it was escalated for a manager and I was put on hold for over XXXX minutes, with no help or changes! This was a deceptive marketing tactic used to get me out of a product they did n't like anymore and then pull the main positive features of the new product with in a year!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX Account # XXXX Amount : {$2900.00} XXXX XXXX Account # XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$5300.00}
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (TX)

With the XXXX XXXX updates to the UniRush system I do not have access to my funds. I was anticipating a direct deposit yesterday and I never received it. To date my account reflects a zero balance and I have pending charges reflected on my account that are duplicates of charges paid weeks ago. Today, XXXX XXXX, I was on hold for 3 and 1 / 2 hours before I actually got to speak with a customer service representative. He told me that he could see my direct deposit in the system and he qued it to deposit, telling me to give it about 2 hours as they are depositing funds every two hours. So far I still have a XXXX balance. Given this debacle, we are at risk of having our utilities shut off. I need that money as it is my unemployment benefit and I am a single parent on XXXX from my job.
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

I PAID XXXX IN 2012 AND MCM KEPT CALING HOME, CELL AND WORK AND IS STILL REPORTING ON CREDIT REPORTS. AND S.O.L. EXPIRED.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (GA)

I am a victim of Identity theft accounts were applied for in my name that I did not authorize. I was unable to make these inquiries due to me being XXXX Please see attached! 

We reviewed the Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Score Impact The reason you disputed this item : I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to two ( 2 ) years from the date of the inquiry. 


We reviewed the Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard / Credit Score Impact The reason you disputed this item : I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to two ( 2 ) years from the date of the inquiry. 


We reviewed the Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard / Credit Score Impact The reason you disputed this item : I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to two ( 2 ) years from the date of the inquiry.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MN)

In XXXX, my husband and I were both laid off from our jobs and our home went into foreclosure. The sheriff 's sale was XXXX XXXX, XXXX and we were able to redeem the property on XXXX XXXX, XXXX. We were able to get a loan from XXXX XXXX XXXX, XXXX, MN XXXX for {$35000.00} and in the loan settlement, XXXX made the payoff to the Sheriff of XXXX XXXX, MN. We applied for a refinance loan with XXXX in XXXX on XXXX XXXX, XXXX. Around XXXX XXXX, XXXX, the mortgage loan officer called to tell me that when the underwriter pulled the credit reports, it showed a past due amount of {$15000.00} owed to Chase Mortgage and XXXX needed a letter from Chase stating that we did not owe them any money. I contacted the foreclosure lawyer, XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX, MN XXXX and he said he would contact Chase and get it straightened out. On XXXX XXXX, XXXX, I contacted XXXX XXXX again and he had not heard back from Chase. I asked him for a contact name and number at Chase so I could follow up on this and he told me that he could not give out that information. I then found a phone number on the internet and called Chase on XXXX XXXX, XXXX. I received a call back from XXXX XXXX with the Escalation Department and he requested proof that we redeemed the property. I faxed him the Recorded Document Sheriff 's Certificate of Redemption from Foreclosure, the Settlement Statement from XXXX XXXX XXXX showing that they paid it off, and the Payoff Figures from XXXX Co Sheriff 's Office. XXXX has called me back every week since this time to give me an update, but all he tells me is that they are working on this. He told me it would take until the end of XXXX before they would get this cleared off our credit and I would not get the letter until then. He could never answer my question as to why this was not taken care of in XXXX. It 's been 5 years and it is ridiculous that it should take a month and a half to get this off of our credit and for them to write the letter so we can go forward on the refinance loan. More than likely our interest rate will increase because it has taken so long and our locked in rate has expired. This never should have happened to a consumer.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

I recently applied for a personal loan with a bank I have done business for many years. 
My load approval was rejected based on information contained within the credit report from Equifax. Reason stated serious delinquency, time since delinquency is too recent. 
The bank gave me the agency that reported this information. I contacted XXXX XXXX XXXX company an ask to speak to a supervisor about the information reported. I was informedmy payments were not submitted on the due date an were reported as 15 -30 days late for several months. After reviewing my account they determined my payments were made in advance of the due date but within the same month and therefore when the due date arrived it was reported as nothing received. It is not that payments were not received in advance of the due date, but the posting did not show early payments in theresystem. I ask if they could contact the credit bureau and have the delinquency statement removed. They told me nothing can be done. My complaint is I have been charged withnumerous delinquent payments each month when in fact I not only paid the amount due each month I paid more than the minimum and long before the due date. They do not dispute this statement and thanked me for being a good customer, but there is nothing they can due to change this reporting. I believe this not only to be unfair reporting, but has greatly affected my overall credit score reducing my score very low. I want them to contact the agency and remove all this information.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (PA)

I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question XXXX OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.
Consumer complaint received 2015-10-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MRS BPO, LLC (OH)

Hello, I obtained a loan over 7 years ago from XXXX who sold the loan. Eventually it went to XXXX who have hired MRS Associates to collect on the debt. The balance has went from XXXX when the note was originally signed to XXXX. I am a mother of XXXX I work part time as XXXX working XXXX hours a week. They refuse to make a payment arrangement base on my income to assist with paying off the debt. Since the interest is so astronomical it will never be paid off.
Consumer complaint received 2024-10-11
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. (TN)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I have some late payments showing on my credit reports for months of XXXX, XXXX and XXXX of 2023 from first progress card. In fairness with the fair credit reporting act this creditor first progress has violated my rights under USC 15 1681 section 602. This section states I have the right to privacy. USC 15 1681 section 604a section 2 also states a customer reporting agency can not furnish a account without my written instructions. I never gave first progress written instructions to do any of this. Under USC 15 1666b a creditor may not treat a payment on a credit card account under a open end credit customer plan as late for any purpose. Please update my showing of late payments to paid on time please.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AR)

Regions Bank - I have checking accounts with them. These accounts have debt cards linked to them. On some of my debt card transactions ( not recurring transactions ) I have been charged overdraft fees for insufficient funds. Regions allowed these transactions to go through. Thus, they charged me each time an overdraft fee. 
I did not have the optional overdraft protection that Regions offers. Am I eligible for Regions to reimburse me these overdraft fees they charged my accounts instead of not allowing the transaction to be processed?
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have done an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : -The status of the Portfolio Recovery account is being reported as open XXXX report and being reported as a delinquent or seriously past due and others- please remove this from my credit report immediately It is my belief that the collection company has willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report -The status of the XXXX XXXX AND XXXX account is being reported as open through XXXX
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

On XXXX XXXX, 2013 XXXX XXXX XXXX XXXX XXXX. Report false information to fair collections in and out. I responded to fair collections in and out, but asking them to validate the debt. In response they sent me a document with a list of charges that XXXX XXXX XXXX XXXX XXXX says that I owe. I called them and explained that this was not a proper validation of debt. They refused to validate the debt properly and placed the information on my credit report for collections. FCO is in violation of Texas property code Sec.XXXX. 
FRAUDULENT, DECEPTIVE, OR MISLEADINGREPRESENTATIONS. 
( XXXX ) failing to maintain a list of all business orprofessional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector. FCO is not listing all the names of there client ( XXXX ) failing to disclose clearly in any communicationwith the debtor the name of the person to whom the debt has been assigned or is owed when making a demand for moneyThis collection is for a apartment complex. In order to properly validate the debt FCO is required by Texas property code to obtain information includes a copy of the lease, itemized charges, diligence to find a new tenant ( if appropriate ), Date and proof of the new tenant moving into the unit. 

XXXX XXXX ) using a written communication that fails toindicate clearly the name of the debt collector and the debtcollector 's street address or post office box and telephone number if the written notice refers to a delinquent consumer debtNo information about XXXX XXXX XXXX XXXX XXXX is listed on the verification of debt letter sent by FCO. 

I do not owe this company money.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (DE)

TD Bank has been consistently ( the past 3 years ) re-ordered my debit transactions by highest to lowest and changing the posting date. Which in turns gives me multiple {$35.00} dollar charges on transactions under {$20.00}. And on top of the multiple over draft fees, the start charging {$20.00} fees every 2 days. On top of that, some how their monthly matinence fee makes an appearance during this random time of the month. Another {$35.00} dollars down the drain.This type of practice is unfair and unethical. On the poorer side of the income spectrum and this makes it hard to maintain any type of decent balance and remove yourself from the black hole.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Since XX/XX/XXXX XXXX is no longer involvement with my loan, now in XX/XX/XXXX XXXX transfer my loan to PennyMac Loan Services. I want to know who is my bank, also I need the Holders of the note in date courses for XXXX and PennyMac loan services.
And notorarize all the documents with perjury of witness signed.