davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

XXXX  is claiming I owe them {$270.00}. I have had this removed from my credit report several times already. I spoke to a lady at XXXX fraud office. She said they were investigating lots of false accounts and she was sure I was being falsely charged being I have never had XXXX.
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (OH)

PNC closed my account because it was negative ( by {$10.00} ) even though my email statements said the balance was {$0.00}. Because my account was negative for more than 30 days, my account was closed. I have about {$10000.00} in checks that are due to hit my account at any moment, but since my account is closed, I can no longer receive them. 

Upon calling PNC, they said they were recording my call to collect a debt. I told them of the issue, they said that if I went into PNC and paid the {$10.00}, they could reopen my account. I went into PNC and paid the {$10.00}, but they said they can not reopen my account because now I'm on the XXXX XXXX XXXX XXXX list for being a credit risk because of the closed account with the {$10.00} balance. I called XXXX XXXX XXXX to get them to expedite the process, they were unable. I called PNC to open my account, they were unable. 

These banks should be ashamed of themselves. I will not be able to afford rent, food, or books that I need for XXXX XXXX because PNC cares more about {$10.00}, which I paid, than its customers.
Consumer complaint received 2018-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (CA)

I received a call from Wells Fargo Student Loan Center stating i have a payment due and I told them that I never signed up with them. I asked how did they get my information and if anyone sold my loan to them and now they refuse to give me any information. They are stating that i have to give them all my personal information for them to research. I advised them that since i never signed up with them, they need to tell me how did they get my loan and who sold to them. They are refusing and threatening to credit report as my loan is now past due. I contacted the XXXX XXXX XXXX XXXX XXXX and don't see anywhere that Wells Fargo was my loan servicer. I feel something has been defrauded either my loan got sold without my knowledge or Wells Fargo got a hold of my information and abusing it.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (AL)

I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. 
Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I have been applying payments of {$50.00} per month. My balances all have different account numbers but when I requested to pay off the smaller balance of {$400.00} about 3 months ago they said the account was attached to another account with a larger balance of {$3000.00}. They said when I submit my payment it had to be distributed to both accounts and I can't pay off one before the other.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (TX)

XXXX XXXX XXXX Unverified XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! 
Under, 15 U.S Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INTENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!
Consumer complaint received 2018-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

XX/XX/XXXX School Year : federal loans consolidated with terms agreed to on master promissory note were a 120month repayment starting upon matriculation from my institution, XXXX. 

Date unknown : I received notification that Salie Mae was spinning off & my loan would be serviced by Navient XX/XX/XXXX : contacted Navient to inquire, what remained on my loan & was told that I was in a 240month repayment plan. I then sent a letter to Navient & requested a copy of my original promissory note. When Navient replied via mail, they sent only a signature page & showed no repayment period terms. 

As my time allowed I thrive placed calls to Navient, who generally kept me on the line 40min-2hrs as the respondent investigated & /or waited for  a supervisor to become available. I was then told a promissory note would be sent. No further information was received in the mail XX/XX/XXXX : On phone with Navient Employee XXXX ID XXXX for 41min. He stated the mastery promissory note on file was cut off and no loan repayment period was shown. I was again put on hold to wait for a supervisor. XXXX XXXX. He again has said paperwork will come in 7-10 days. 


I maintain that without my consent, my loan repayment was altered from a standard 10 year 140months to a 240month term.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MI)

On XX/XX/2018 at XXXX XXXX I received a {$100.00} gift card from XXXX XXXX XXXX, XXXX Florida as a thank you for visiting and learning about their time share plans. I was told to activate the gift card which is from US Bank and the funds would be available immediately. I called and actived the card around XXXX XXXX that same day. I was told there was a XXXX  balance because there was a {$100.00} transaction at XXXX XXXX   on this gift card ( before I even received and activated the card ). Went to the XXXX XXXX XXXX office and they called US Bank and was told that US Bank was updating their system and give it 2-3 hours. I gave them over 12 hours and called US Bank back at XXXX XXXX  on XX/XX/2018 and was told there is no funds available. They show the {$100.00} added to the card and now no transactions. Now US Bank is saying we have to wait 3-5 business days to get this resolved. Per US Bank I am not the only one calling and complaining.
Consumer complaint received 2018-12-27
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: Lending Club Corp (NC)

Bottom line, i was told by Lending Club that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient is a horrible company. Do not use them. The customer service representatives have hung up on me. Also the employees have been unable to give me complete, accurate answers on important information about how much my payments are or will be. When I ask questions they sometimes just refer me to the XXXX XXXX XXXX. And they send emails to my Navient inbox that do not give any explanations. This is serious! If you want me to pay you {$35000.00}, You should give me answers. I am currently in contact with the XXXX XXXX XXXX to have this matter resolved. If the XXXX XXXX XXXX can not or will not resolve this matter I will get a lawyer.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (PA)

Chase Bank is promoting bonuses for opening checking accounts online. 
I opened an account on XX/XX/2018 after being automatically forwarded from the link. 
It stated that a bonus of {$300.00} would be paid after enrolling in direct deposit. 
After completing the requirements and after two months had passed, I inquired about the bonus. 
They responded, saying I needed a coupon code to get the bonus. 
I have the pages copied if they are needed for verification. 
As of today, the process is the same.No coupon code is given when opened online. 
Any assistance with this matter is greatly appreciated. 
Thank you, XXXX XXXX
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

We sold our house and received a closing check from the buyer with my husband 's and my name on it, the amount of {$480000.00}. I deposited the check to my Chase bank checking account on XX/XX/XXXX after my husband and I both signed the back of the check. Fund was cashed out of the buyer account as of XX/XX/XXXX but there was a 10-day holding from Chase bank because it was a large check. On XX/XX/XXXX, Chase bank closed my checking and saving account without any notification. When I called the bank, they said that they could not verify my husband 's name on the check and they could not release the money until they were able to verify him and they were closing my account with no reasons. The only way they could verify is that they are using their own internal phone number verification system and the phone number I gave to them is not registered under his name or does not match with their internal system. My husband 's phone number has been his since XXXX through XXXX who confirmed that the phone number is indeed under his name. When I called the buyer 's agent to ask whether they could void the check and reissue it, they told me that fund has been out of their account and there is nothing they can do about it from their end. I don't know how to get my money back from the bank.
Consumer complaint received 2023-07-07
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. (MD)

I paid off my auto loan with XXXX XXXX XXXX in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from XXXX. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my Equifax and XXXX credit reports.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

Hello, I was an authorized user on 3 citi cards. I had called Citi and asked to be closed on all authorized users accounts I was on which was on my cousins. But I don't won't wan na be held accountable for the money he owes. 

If you guys can kindly close me out of all these 3 citi cards it would be greatly appreciated.
Consumer complaint received 2018-12-13
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. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (IL)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Consumer complaint received 2018-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: eMoneyUSA Holdings, LLC (TX)

I called in XX/XX/2018 and asked to have my ach payment stopped for XX/XX/2018. I told them that my husband would be paying the account off in full XX/XX/2018. I wanted to have the ach stopped in order to avoid the account being overpaid and having to wait weeks to be refunded. I was told that they could not stop the ach unless there was another form of payment. I adv that my husband would be paying via Card. the rep still refused to stop the payment and i stated that I would have my husband call in. Due to his work schedule, It would be difficult to know for sure when he could call in. XX/XX/2018, I sent a ACH revocation letter to the company to make sure the payment would be stopped. The rep agreed to stop it but advised me that they would put my account into collections as a default. I asked how they could put a current account into default that has never missed a payment and was only trying to pay the account off in full.I then received an email stating that they had placed my account in collections and that it had defaulted. My payment is not due until tomorrow and I have never been late. Then I receive a long illegal voicemail from a MANAGER named XXXX XXXX leaving personal information then she called and left a message on my work voicemail. You would think I was really in collections the way I am being treated. All of this and all I am trying to do is pay off an account. No where in my contract does it state that if you revoke ACH authorization that you will be placed in collections as a default. It actually has other methods of payments such as cash, money orders, mail as well as credit cards. I can only imagine how customers who actually can not pay are treated, if they treat paying customers this way.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NE)

Equifax is horrible. The lowest FICO score that I have is from this reporting agency. Why isn't there ONE method of determining FICO scores! each agency is different with Equifax being the WORST! I can't log into my report on line to dispute 2 medical collections that Equifax STILL has on my credit report, while XXXX and XXXX XXXX have deleted them! I tried to get them on the phone, but after 43 minutes on hold one time and 56 minutes another I gave up! In addition I want to know why my Equifax score is so much lower than my other two credit bureau scores but without being able to access my report, it's impossible to tell!!!!!!!! 

If the government can't do anything about having these rip off collection agencies reporting medical debt on someone's credit report, then do something about freakin Equifax at least. 

For credit card loans you know what you are getting into. You sign an agreement to pay a debt. No one signs an agreement to get sick or for their children to get sick but despite this, medical debt continues to affect your XXXX credit score and with a reporting agency like Equifax you cant do anything about it because you can't access your account!
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per 15 U.S. Code 1681i and 15 USC 1681a ( d ) ( 2 ) ( i ), I demand Transunion remove all of the adversely reported items from my consumer file. It is inaccurate information and is adversely effecting me, which is a violation of the law. I have Opted-out of all the accounts being adversely reported with the companys associated with the accounts. Per 15usc 1681b, Transunion does not have my consent to continue to report the adversely reported accounts. I have sent a Notice of Dispute on XX/XX/23 to Transunion. Per Transunions SUMMARY OF RIGHTS section, I a notifying you that the adverse information is incomplete and inaccurate! All information in this complaint is to be used for investigation purposes only for CFPB and Transunion.
Consumer complaint received 2023-07-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (FL)

Key 2 Recovery has kept calling me this week even after I submitted a complaint to CFPB and they responded saying they have no record of me owing any debt. 

They called again this morning, I explained the situation and confirmed once again with them that my social security number is not the one associated with the debt they are trying to collect. 

At this point I consider it harassment.
Consumer complaint received 2023-07-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reported to TransUnion on two different occasions the last being XX/XX/2023 that XXXX XXXX is reporting to my report twice with the same account. Trans Union has done nothing and continues to tell me that it is verified. There is no way for this account to be verified if it is the same account reporting twice.