davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (GA)

My Subsidized loan from XXXX bank is serviced by XXXX XXXX XXXX and recently transferred to Great Lakes. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to Great lakes without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with Great lakes upon transfer I was unaware I was missing payments until I was 3 months late. Great lakes has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted Great lakes and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NJ)

I have attempted to obtain my consumer report from this company on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX via facsimile at XXXX. My official document of a Driver 's License under category XXXX as implemented by XXXX meets all of the requirements. It has my current address/name and identifying information. However, they purportedly have DENIED my request twice for a consumer report. My Driver 's License has been copied at 130 % resolution which is more than satisfactory. I have even included a scanned copy to this complaint filed with the CFPB.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prosper Marketplace, Inc. (OH)

My loan XXXX was settled in full on XXXX/XXXX/XXXX and is still showing on my credit report as due. This needs to show either paid in full or settled in full to resolve this on my credit reports. Can someone go into XXXX and post this to the XXXX 's?
Consumer complaint received 2017-09-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (IN)

PLAZA SERVICES # XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2017 Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$700.00} Date Updated : XX/XX/2017 Original Amount : {$700.00} Original Creditor : XXXX XXXX XXXX ( Financial ) Dear Consumer Financial Protection Bureau : I am disputing the collection account noted above. I have never received any communication from this company. I have reached out to the original creditor, XXXX XXXX XXXX asking them to provide documentation of this debt and have not even received a return phone call. 

Under the Fair Debt Collections Act, I should have been given an opportunity to reach out to the collection agency and dispute this debt before it was entered on my credit report. Since Plaza Services, nor XXXX XXXX XXXX, contacted me I did not have an opportunity to validate and dispute this debt. 

Please have this item deleted from my credit report. Once I was made aware of this entry on my credit report, I contacted the collection agency, Plaza Services, and they could not provide me any information over the phone. I asked the representative to send me documentation showing they are authorized to collect and to verify how I owe this debt and they refused. I am seeking your assistance to please verify the existence of this debt and any correspondence this company provided prior to this entry being entered on my credit report. 

It was recommended by the Indiana Secretary of State 's Office to reach out to you for help with this matter as it potentially violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Regards, XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-09-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have been told by equifax that they never received my dispute regardign ID theft on my account. That is completely false, because I have submitted it numerous times before. Equifax is intentionally denying my request to remove the unauthorized account from my credit report. 

XXXX XXXX ( XXXX ) ( XXXX ) This accounts were obtain through fraud and are not mine. I have included previous POLICE REPORTS, FTC ID THEFT REPORT, as well as statements and Equifax has denied my request.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

They make a payment due on the XX/XX/XXXX of the month and then if you make a payment after the 16th they may or may not apply it to the next month. I made a payment to them on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX. payment., Then I made a payment on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX payment. Then on XX/XX/XXXX I made a payment of XXXX dollars for my XX/XX/XXXX payment. Now they are saying that I have to pay them another XXXX by XX/XX/XXXX or they will charge me {$37.00} late fee. They will not wave this. They said that they charge us on the XX/XX/XXXX, but they do not close out the month until the XX/XX/XXXX so any payment made before that date gets applied to the same month even though I had already had a bill for that month. I should be able to make a payment for the next month as soon as the due date for that month has passed. This is a ridiculous business practice one it seems like they do just to generate late fees. I have to pay my bill when I have the money. I am thinking about starting a lawsuit against them for unfair business practices. We get paid on XX/XX/XXXX and I want to make my XX/XX/XXXX but low and behold it wo n't be applied to XX/XX/XXXX!  Ridiculous!
Consumer complaint received 2017-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I  have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I filed a previous complaint against Equifax case number XXXX which has been resolved, but since I filed the complaint Equifax blocked me from assessing my credit profile. 

1. Equifax placed security questions on my credit profile that has nothing to do with me.
2. I called them several times and can not get the issues resolved. 
3. One of the security questions say that I open an auto loan/lease, I have no car loan or lease.
4. The payment for the security question says I that the auto loan/lease is between {$700.00} - {$1000.00}. Now the change the payment questions to {$75.00} - {$270.00}. 
I have no open credit, but my student loan. 
5. The security says that I have open credit cards, which I do n't. 

This only occurred after I submitted my complaint against Equifax.
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NC)

I purchased a new XXXX XXXX XXXX which was financed through Wells Fargo at 4.99 % and I was told that after XXXX year I could refinance to lower my payments. Yesterday I called them to refinance and they told me that they could lower the payment from {$560.00} to {$540.00} but the rate would be 7 %. This does not really provide me with any options. The {$560.00} payment is too high. The folks that I spoke with were very non empathetic and gave me the impression that they could not care less about my situation and there was no attempt to try and resolve this issue. 
I have run into hard time and had to move into a place with a higher rent and so I do n't have the disposable income that I originally had to pay this high payment. All I am asking for is a reduction that will help me stabalize
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (DC)

Back in XXXX Ive received a bill from XXXX, I called then and explained to them that this isnt my bill and they told me that they couldnt put someone else bill in my name. I filed a police report and found out that the bill belongs to someone else with the same first name, middle initial, and last name as me. The detective have not contacted me back since then and Ive tried calling and still wasnt able to speak with the detective. This year I checked my credit report and seen that the bill was still there. I disputed it over the phone and they havent removed it but they gave me a shorter date for it to close. There is also a address connected to this bill on my report that Ive never lived at.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MT)

On my XXXX 's Consumer Credit card / XXXX XXXX On XX/XX/XXXX I made my normal of {$110.00} before due date of XX/XX/XXXX. On XX/XX/XXXX I paid off remaining balance of {$3700.00} leaving the credit card with a XXXX balance. On XX/XX/XXXX when the billing cycle ended. XXXX charged me {$63.00} on the XXXX balance. When I received the statement in the mail on XX/XX/XXXX I called the credit card company. They tried telling me the interest was charged because I did n't pay off the card before XX/XX/XXXX. As far I knew as long as I paid the card off before the cycle ended I would n't be charge any interest. XXXX has reversed the interest charge of {$63.00} because I threatened to close my account. This is charging interest for balance that do n't have any more. This should be illegal..
Consumer complaint received 2017-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a XXXX XXXX XXXX account in XX/XX/XXXX. The account came with a promo code which I applied. The promo code is XXXX. The promotion that came with the promo code was for {$200.00} if I deposit {$10000.00} or more by XXXX XXXX, 2017. I met those terms. XXXX XXXX XXXX will not issue the {$200.00} that I am owed now. I want my {$200.00} as I have met the terms of the bonus and have waited a substantial amount of time.
Consumer complaint received 2017-11-15
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. (TX)

After contacting transunion regarding an inaccurate address they refused to remove from my credit report. They are reporting a address that I DO NOT RESIDE at. I have asked that they remove this inaccurate outdated information from my credit report as I do not authorize them to report any address but the address I have submitted on my drivers license.
Consumer complaint received 2017-09-27
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. (AZ)

I have an in-school deferment. While I 'm in school, my subsidized loan interest is being paid for by the government. I want to pay for my un-subsidized loan interest so that my loans will not grow larger by the interest being capitalized. This company does not post the dates that the unsubsidized interest will be capitalized and the amount of the unsubsidized interest amount on their website nor do they send me statement that I can pay. Therefore, I believe they are on purpose keeping this information from me so that they can increase my loan amounts.
Consumer complaint received 2017-09-27
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: Innovis (CA)

Innovis is n't reporting an account and balance under negative accountant hat does not belong to me I have reported this to home for years and they are now asking for a police report which was originally sent to them and I 'm told I can not obtain a new one since this is XXXX years ago This account and balance from XXXX  XXXX credit card do not belong to me and needs to be removed from my credit file immetiely They continue to violate many credit reporting rules and regulations and have been noticed I of this error for years and have failed to make it correct
Consumer complaint received 2017-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I applied for a temporary forebearance while on maternity leave under the Family Medical Leave Act. My XXXX leave is unpaid leave during this time. My forebearance was denied due to " lack of income ''. I am not unemployed! I just had a XXXX!!! To date, I am behind on my mortgage payments and sought relief from Wells Fargo. Instead of providing assistance, they are harassing me constantly. I receive incessant phone calls 12-16 hours a day. These phone calls are non-stop, aggressive debt collection calls. The harassment has escalated to Wells Fargo hiring an outside company to leave notes on my front door. The note says to call your mortgage processor. Wells Fargo threatens foreclosure when I am 1-2 payments behind. It was my understanding that foreclosure takes place once the account is 120 days past due. I am tired of the non-stop harassment and bullying from Wells Fargo. 

I also noticed that my account is being charged a non-sufficient fund fee of {$15.00} and a shortage fee of {$9.00}. I do n't know how this is being factored into the amount due to bring the account current. The account has been paid with cash. I do n't know how often my account is being charged these fees.
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NM)

I found out that an account was placed in collection because I received a credit report notification. I did research online and finally found a number for the supposed collection agency. I explained to them that I was never notified of the account being placed in collection and I have never received any type of communication from them. I feel that the charges I was charged were not right. It took several phone calls and messages before they finally provided statements to me. I still do n't agree that the balance owed is accurate but I need this off of my report so I 'm willing to just pay the money owed. This company has been unfair and unresponsive. They continue us to tell me that they have n't violated the law because their system says a letter was sent to me. I would have responded had I ever received the letter. It 's not right.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is in response to CFPB Complaint # XXXX dated XX/XX/XXXX wherein Equifax responded that I " did not list any specific items '' in my dispute. IF Equifax looked at my file on their own website, they would see that on XX/XX/XXXX I filed an online dispute which clearly laid out the two addresses I want removed from my file -- XXXX XXXX XXXX, XXXX, MI and XXXX XXXX XXXX, XXXX, GA. These same addresses have been disputed since XX/XX/XXXX as I have NEVER lived at either address and never even visited Michigan in my life. I have received AT LEAST four written confirmations from Equifax that they have been removed ( Confirmation # 's XXXX, XXXX, XXXX, XXXX ) but as you can see on the latest Credit File I received on XX/XX/XXXX, ( Confirmation # XXXX ), they are still on my file! This confirmation has a notation next to each address which says " Reported XX/XX/XXXX. '' I have no idea what this means -- are you saying that a CREDITOR has reported that this is an accurate address for me?? If so, then I have the legal right to know who is reporting this. I have two more online complaints asking that these two addresses be removed and Equifax has sent me two emails confirming that my dispute has been resolved, but I CA N'T ACCESS the Equifax Dispute Portal because Equifax uses incorrect financial data to verify my identity! ( That will be addressed in another complaint. ) Those two Confirmation # 's are XXXX and XXXX. I do not know what the resolution is because I ca n't access the Equifax Dispute Portal, but expect that it is again confirming that Equifax has removed the two bogus addresses from my file.
Consumer complaint received 2017-09-27
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. (NY)

XXXX XXXX XXXX XXXX Account Number XXXX department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc. (PA)

XXXX and diversified consultants keep calling and asking for a debt of {$1500.00} be paid and say the account was opened XXXX-2015 which ia not possible as i have had XXXX for 5 years. I have asked numerous times this be removed as it is not correct.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Revenue Recovery, LLC (LA)

In response to your response of We appreciate the opportunity to respond to this complainant. A review of our records reveals an account that may belong to the complainant. The name is a partial match ( 2/3 ) perhaps maiden name used, but the address does n't match. The account was placed with us in XX/XX/XXXX and a collection notice letter was mailed to the account owner. To properly review our records we will need the complainant to confirm the address used during that time period along with her date of birth and/or social security number. Upon receipt of this information we will complete our investigation of the complaint. 

My Name Is XXXX XXXX. The account must be under my maiden name ( XXXX ) You claim to have had this debt since XX/XX/XXXX but yet you placed it on my credit report between XX/XX/XXXX-XX/XX/XXXX? Again as a consumer that 's protected under the FRCA i would like to be able to use MY rights and dispute this account. It needs to be removed while i am requesting debt validation from this agency. I am requesting proof of this debt and a medical release form.
Consumer complaint received 2017-09-27
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: MISSION FINANCIAL SERVICES CORPORATION (NV)

The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.
Consumer complaint received 2017-09-26
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX Account Number XXXX department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: First Data Corporation (MI)

I have a Money Network card through XXXX XXXX. I 've had the card for about 6 or 7 months. I had direct deposit through my previous employer with no problems. I have even loaded money onto the card through XXXX with no problems. 
I am at a new job now and have direct deposit set up going to my Money Network card. 
They froze my account and wanted me to verify my identity. I faxed the documents they requested which was my I.D . then wait 48-72 hours for their compliance department to process. 
After waiting the 72 hours, they said they never received anything. So I faxed again. 
This time I faxed I.D., social security card, check stubs. That was Friday X/XX/2017 so I had to wait over the weekend and then the full 72 hours. 
Now they are saying they cant read my I.D . and I need to re-fax for a third time and wait 72 more hours. My paycheck is sitting there froze.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I received a letter today that my account as closed due to creditworthiness. It report my credit score was XXXX. However, my score was lower than that when I got the card. I recently paid the card in full in XXXX 2017 and a few weeks later I received a notice that my credit has been pulled and my Belks card is closed. I never have paid late and this is going to reflect negative on my credit report. This type of protocal is unfair and deceiving.