davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC (TN)

Received summons approximately XX/XX/XXXX from county regarding credit card debt collection via XXXX XXXX I, XXXX XXXX, represented by Javitch Block Llc for {$1500.00} from XXXX. XXXX filed XX/XX/XXXX with XXXX XXXX XXXX. According to county case site, court date was XX/XX/XXXX. I am unsure why I missed court date, but I believe it is was due to time gap between notice and setting. I have never received any mailings from XXXX XXXX regarding collection notification. XX/XX/XXXX I received notice via my employer that my wages were being garnished. Contacted XXXX and was instructed to contact Javitch Block Llc. Spoke with representative at Javitch Block Llc on XX/XX/XXXX to inquiry case since I have never received notice from them except summons from county two years prior in XXXX. Asked rep why I was not contacted regarding debt or potential wage garnishment and was told " all information has already been provided ''. Let rep know that I have not received any mailings from them nor XXXX but was told again that " was not true ''. Was asked if I wanted to settle over the phone to stop garnishment and I declined and was going to seek legal counsel. Debt is now past statute of limitations. I was never provided with my rights to dispute, proof of debt validity, nor notification that wage garnishment process had begun
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (OK)

Credit limit was decreased by 1600 %. The explanation I received was because I had too many credit inquiries. I have only had XXXX this year, XXXX for buying a XXXX and XXXX from my bank for requesting a credit limit increase. Another reason was for revolving balances being too high. They were still only at 30 %, which is what they were when I was approved for XXXX originally. I transferred about XXXX of credit card debt before XXXX of last year and subsequently had it paid off by XXXX. At the time of the limit decrease decision, I had a XXXX balance with no late payments. My employment requires me to use this card as I am frequently traveling throughout my state and meeting with customers, prospective customers and suppliers. I also use it for supplies, materials, tools, car maintenance, repairs and fuel. Without this higher limit card, I am suffering undue hardship and I am in danger of losing my employment and the ability to pay for my healthcare expenses. I strongly believe this decrease was because of an algorithm and/or policy based on customers paying off a large 0 % introductory interest transfer balance without incurring enough finance interest fees and that I had not used it since XXXX if XXXX. I was denied any opportunity to speak to any XXXX about clarification on this and insulted with empty platitudes.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my consumer reports and noticed that I had a late payment on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability and with maximum accuracy. I have never been late for the account that I have included screenshots inside this complaint on the dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached.
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Hello. 
I used XXXX at XXXX to transfer money and I closed the account because I had to go back to XXXX. 
The date was XX/XX/2020. 
I supposed to receive money by today but I did not still get it. 

Before I close account, I asked banker whether it is ok or not and he told me that it is ok because it did not show any error. 
But actually I think there is an error. 

And may be I found what the error is. 

I told the recipient account number is " XXXX ''. 
But I think may be I needed to put " XXXX '' which is branch code before the number. 

about this error, I called XXXX first. 
And he told me to call to XXXX, and it told me that they can do nothing. 

Why do you do rotation????? 
I am so frustrating. 

I do not need the phone number any more, but please give me the solution. 
I want you to send me money as soon as possible.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONTRACT CALLERS INC (AZ)

I paid Contract Callers the debt that I owed them of XXXX and that status should be paid in full. They reported the same debt XXXX  on my XXXX  report and only closed XXXX of them. I have an open collections for XXXX that needs to be completely deleted as they only closed XXXX of them as paid in full. So it looks like I had XXXX collections rather than the XXXX that was valid.
Consumer complaint received 2020-04-18
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc. (CA)

On XXXX XXXX I was unable to complete the full course due to health issues I was pregnant at the time and I had to take a medical leave of absence so I was dropped and the school showed no sympathy or concern for my health or education I was not in the right mental state at that time and I left the school did not share my best interest or give me the options that best suited my needs as promised I contacted the school while I was in the hospital and they did. It put me in medical leave
Consumer complaint received 2023-07-18
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: TRUIST FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Request to list my only legal name and address and remove all other information being reported as it is inaccurate. Filed dispute with all 3 credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX
Consumer complaint received 2023-11-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-18
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: EQUIFAX, INC. (VA)

The credit bureaus, who profit from people having bad credit, is manipulating report information to keep certain people scores low. I pay my bills, all of, pretty much on time. When I miss XXXX payment for 1 month, which does not happen often, my score drop pretty much up XXXX points. I have been XXXX with the same credit scores forever XXXX to XXXX. Sometimes it drops to XXXX. Really. I pay my Bill 's, I make XXXX a year. This practice mainly affects minorities. Also why is Equifax still allow to provide credit scores. This is disgusting
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

This is a complaint against Equifax. Because my personal information was stolen and I was notified that someone tried to apply for a credit card with that information, it was neccesary to freeze my Equifax account. After submitting personal information on their website, I was then denied on-line access to my account until a verification code was sent in the mail. 

After 10 days, I finally received a verification code. I entered it on the Equifax website and then was directed to enter my password. I entered my password then was prompted that I could not access my account until I changed my password. I changed my password then was prompted that I could not access my account at that time and to callk XXXX. I called that number. I was asked to type in my full social security number and other personal informtion, After 10 minutes I was routed to a customer representative at a call center in the XXXX. They said they woild freeze my account. I asked them for access to the Equifax website so that I could check if it was frozen as verification. They said they would send a verification letter in XXXX to XXXX business days. 
So first of all, how is my account that I do not even have access to protected from over-seas hackers in the XXXX, etc. And, if they are indeed freezing my account, How do I unfreezed it of check if someone else asked for it to be unlocked if I can not check the status. 
If Equifax is so disfunctional, how is it they are allowed control of our personal information. How is it that a call center ib the XXXX has more control over the use of my personal information than I have.
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WI)

I opened a account up with Us Bank in XXXX, Wi at the XXXX in XX/XX/2020. With a Promo Code to receive {$300.00}. I met all requirements and there refusing to deposit the money in my account. There liars, and used this checking account offer to get people to use there bank.
Consumer complaint received 2020-04-17
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. (GA)

Equifax is reporting that I have several delinquent accounts. I received a letter from XXXX  during the month of XXXX when I decided to purchase a new vehicle. One of the reasons for denial was too many delinquent accounts. My credit is in good standing and all bills are paid on time. When I spoke with the representative all she could tell me is not to worry about it. I am not going to sit around and not worry about it. This is my credit and the only credit reporting agency XXXX  included in their letter were statements about my credit provided by Equifax. I would like the correct information put in my credit report. There is np proof of any accounts being delinquent. They also have an older page on line when my score was in the XXXX. My score is now XXXX and above. I am very displeased with their services. This is people 's lives they're playing with and they need to submit truthful, not unethical information concerning folks credit.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (TN)

wells fargo I sent them letters of recission and that I didn't take a loan with them they stole my car sent a third party named XXXX XXXX from XXXX to steal it off no trespassing and gate and fenced yard they hooked up their tow truck and stole my car didn't knock or ask could they come on my property i have a video of them doing this and also they stole it on XX/XX/2022 and they never loaned me anything anyways the law is gold and silver coin in article 1 section 10 and it states in 12 us code 83 that banks dont ' loan money so I want all money they took for the car and all money I paid in for it the XXXX XXXX XXXX XXXX also stole my passport, social security number, birth certificate, driver XXXX, they stole my underwear, socks, hoodies, tools, and more and they came to my property and stole my car under a collection company and they are on XXXX XXXX XXXX XXXX and they stole my marriage license too to my husband, my drill, they stole more I called the XXXX police while I was there getting my things from my car, the police tried to arrest me for calling the cops which I find odd. The guy is trying now to take out XXXX XXXX cards, and discovery cards on my credit and he can't I wont ' let him thats going against the law. Someone needs to help me and these people need to pay me the money owed plus pain and suffering I now don't have a car and they done it by seizing and searching on my private property which is against the XXXX XXXX and I went to a dealer ship to get my loan I have never been in a wells fargo period not at all been to a wells fargo I didn't willfully knowingly and intentionally go into a loan with them. I sent them letters to take it off my credit and recission letters and they are ignoring me and saying you went into a contract now pay us all you owe us and I am like no I am not paying you you stole my car and I did call the cops but XXXX I live in XXXX XXXX and I have a cease and desist on my cops for them doing something else to me. So they wouldn't take a complaint from me. I am not sure what I need to do but I need they frauded me and I know it.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

Every month, I always pay the mortgage for our home ( XXXX ) and a rental property ( Flagstar Bank ) at the same time. We have never missed a mortgage payment. Somehow, our XX/XX/XXXX payment was processed for our home, but not for the rental. I don't know if this was due to simple human error, or a system error on the part of Flagstar. My brother, who co-owns the rental with me, was XXXX in the XXXX XXXX with the XXXX XXXX XXXX during this time, and we were not aware that the payment had not processed. 

We did not receive a mortgage statement in XXXX ; I don't know if this was an error on Flagstar 's part, or if our mail was mis-delivered or stolen. Mail is often mis-delivered in our neighborhood ; we frequently receive our neighbors ' mail, but no one has ever returned mis-delivered mail to us. I just spoke with a customer service representative at Flagstar today ( XX/XX/XXXX ), and learned that a piece of mail they sent eight days ago, on XX/XX/XXXX, has still not reached us. 

The first piece of mail we received about the late payment was dated XX/XX/XXXX. Upon learning of the late payment on XX/XX/XXXX through that letter, we immediately paid for XXXX, XXXX, and XXXX. We also set up automatic payments. 

Through this situation, I learned that Flagstar failed to obtain correct contact information for us when they took over the servicing of our mortgage in Fall XXXX. I spoke to a Flagstar customer service rep on XX/XX/XXXX to figure out how we had missed their call ; neither of the phone numbers they had for us were correct. Flagstar also neglected to obtain our email address from our previous mortgage servicer. 

As a result of Flagstar 's negligence when assuming the servicing responsibility for our loan ( and apparently our mailperson 's negligence as well ), we did not know that our payment was late until the account had already been reported as delinquent. Our payment was 33 days late, and it was NOT late due to insufficient funds. 

I have submitted two separate credit review requests to Flagstar with the information above, requesting that Flagstar a ) contact the credit bureaus they report to to have this late payment removed, and b ) provide me with a letter of deletion for the late payment. Both requests have been denied. 

I am not denying that our payment was late ; however I do firmly believe that Flagstar 's refusal is both unreasonable and anti-consumer. This late payment record is preventing me from refinancing my home, despite the fact that I am not at all a credit risk.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (PA)

Good Evening : In XXXX, I went through a separation and subsequent divorce. My student loans at the time were financed through ECMC. I requested to make partial payments until I was financially stable again and was told that I had to make full payments or my loans would go into default. I could not afford full payments at the time. Through the separation and divorce, I was forced to file for XXXX XXXX bankruptcy. I made 5 years of monthly payments, which included regular payments to my student loans. Despite payments going to the student loans, I was not given credit for these payments. My loans remained in default and very sizeable default fees and interest accrued. I contacted ECMC about this matter and was told this was policy and federal law. Upon finishing up my 5 years of bankruptcy payments ( all of which were on time ), I was told by ECMC that if I made 9 consecutive monthly payments, that my loans would be taken out of default. They then would begin to work with me to waive the default fees and interest accrued. After my 9th payment was made, my loan was sold to XXXX. Nothing was waived, adjusted, etc. My loans that were {$56000.00} are now {$110.00}, 000. XXXX is attempting to set me up on a payment plan of over {$800.00} a month for 30 years. According to their calculations, this will have me paying {$280000.00} upon completion of this payment plan. That is over 5 times the amount of my student loan amount. I attempted to contact ECMC on XX/XX/XXXX to inquire about the fee and interest waivers, but I was bounced around to 3 different people, who provided me with a total of 6 telephone numbers to call. I have read multiple articles on XXXX and their deceptive practices. I am fearful of what my student loans will turn into through this company after the previous inflations.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

XXXX THIS IS A FOLLOW UP COMPLAINT TO COMPLAINT NUMBER XXXX. AS DOCUMENTED IN THE XX/XX/2019 LETTER SENT BY XXXX XXXX, OFFICE OF CUSTOMER ADVOCACY, I WAS DUE TO GET A CHECK IN THE AMOUNT OF {$10.00}. I DID NOT GET THE CHECK. I CONTACTED MISS XXXX 'S OFFICES TO CONFIRM THE STATUS OF THE CHECK. I DID NOT GET A RESPONSE.I WANT TO VERIFY THE STATUS OF THE CHECK. IF IT DID NOT PROCESS, I WANT THE CHECK RE-SENT.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, 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. (GA)

I downloaded the certified letter that I sent to XXXX XXXX which explains in detail what I'm disputing. Briefly, I bought ~$40 worth of items from XXXX XXXX in XX/XX/XXXX and used my XXXX   card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX andXX/XX/XXXXstatements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!