davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pacific Coast Legal Services, Inc. (TN)

A man named as XXXX XXXX, PH : XXXX from Pacific Coast XXXX XXXX No : XXXX and said he was an attorney. He called my employer on XXXX-XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at Pacific Coast have contacted me before at my employer workplace phone number to try collect on a payday loan with XXXX XXXX XXXX. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.
Consumer complaint received 2017-06-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

My loans were transferred from  XXXX   XXXX  to Navient. When I took out my loans originally, the only option I could get was variable interest rates. I have almo st 70k  in loans that were given to Navient. My monthly payments are clos e to 1k, bu t I am actually LOSING ground on these loans because they have jacked up my interest rates betwe en 8.5-11.5 %.  They say these are based on credit scores -- mine is over  XXXX , and I have always made my payments. I have tried to contact their advocate about my interest rates multiple times and have never gotten a response. I even had a conversation about my loans during which their reps told me that I have " no options '' because I took out a " Smart Option Student Loan '' with  XXXX   XXXX .  <P/> I WANT to pay off my loans, I do n't want to default to get a settlement and ruin my credit. I am a   XXXX   XXXX   XXXX   and make les s than 40k per ye ar, I need Navient to lower my interest so I can start actually making headway on my loans.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (UT)

My Chase Sapphire Preferred card had 2 promotional offers for XXXX XXXX that I had tried to take advantage of. One was for 15 % cash back and another for 5 % cash back. I had tried to claim these offers through Chase 's IOS app both times and had problems several times. After the purchase I noticed that they still were not marked as claimed. So I tried to claim it again and it finally worked. Chase then said they would not honor the offer because the offer was claimed after the purchase. I have been through 8+ hours of calls and have talked to 20+ people. Every person has something different they tell me. I have been told twice now that it was taken care of and would be in my account in a few days. Both of those times when I call back they can not find record of me ever calling.
Consumer complaint received 2017-06-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I have dealt with Navient ( and XXXX XXXX ) since I got out of School and have had nothing but problems with them. They range across the board for a number of things : - Inability to work with me on trying to lower my payments. - Placing my loans in forbearance instead of accepting lowered payment options that I could afford just keep charging me interest. - Hanging up on me when I tried to discuss my repayment or interest lowering options. - Refusing outright to remove my parents from my loan as co-signers even though I 've never had them make a payment on my behalf. <P/>This group of humans have made life for my family rather difficult over the past 10+ years since I 've had to pay my loans. I have gone through times of economic hardship solely because of the extremely high repayment of these loans. As an XXXX Veteran, I simply wanted to do better for my family after leaving the service and Navient is making that XXXX near impossible. I struggle week to week with paying everything because I have to pay them so much. I do n't want to call them because of what I 've stated above to I do some fancy footwork to make it all come together. But, in the end it exhausts you to no end when you ca n't even take your wife to a movie because you have to account for every penny so you can make sure you do n't get hit with a late fee from these jackalsXXXX
Consumer complaint received 2020-01-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (TN)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OH)

I opened a citi bank priority checking account that offered a XXXX dollar bonus if I put XXXX dollars on deposit within 30 days of opening the account. account opened on XX/XX/2021 initial deposit XXXX dollars, I had the XXXX on deposit within the 30 day time period. in order to get the bonus the account balance of XXXX had to be maintained for 60 days, I had the XXXX XXXX balance for over 90 days, I was never paid the bonus, I called numerous times after the 60 day time period about the bonus but was told something different every time i called or was disconnected, the customer service is terrible as is there phone system is full of static and people that dont speak english properly, you have to call several times just to get a halfway decent connection, only to finally get a person with a heavy accent
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BB&T CORPORATION (NJ)

I spoke with XXXX ( BB & T corporate investigations ) on XX/XX/XXXX concerning a {$1000.00} wire transfer that came into my account. I now have realized I will suffer financial loss if this wire is reversed. This was fraud outside of my control and I do not give permission for BB & T to debit {$1000.00} from my account and wish to have my remaining funds in all accounts sent to me certified check. 

I have also consulted with my Lawyer concerning this matter and they will get involved if needed pending the outcome. 

XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-19
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: EQUIFAX, INC. (ID)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-01-04
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. (GA)

I recently checked my credit report to only find several inquires on my report that is not mine and they need to be removed. They were fraudulently applied. I also have several addresses that are not mine and needs to be removed from the report.
Consumer complaint received 2017-06-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Check Security Associates, LLC (FL)

First of they call back to back numerous times. Finally I said let 's break of in payment and send it for me to go over and sign. Then I emailed and said dates are not right. They can call but they wo n't talk threw email or letter and with me I like things in writing. So they called back to back again 2 days straight so today I finally answered but when they started talking I had to hang up because my boss walked in. So they called numerous time after that then called a relative telling them all my information and that to me is unprofessional. My relative called me upset asking why they telling her all my business. I 'm so upset right now because this is unprofessional
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

On XXXX XXXX, 2024, I wrote to XXXX, XXXX and Experian to dispute inaccurate information on my credit report. XXXX, XXXX and Experian failed to investigate and provide investigation results for the following accounts within 30 days as allotted by law : XXXX. XXXX XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX. XXXX Inaccurate Reporting, missing data According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in consumer reports. The inaccurate information related to the above referenced accounts violates this standard of accuracy. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when disputed information is found to be inaccurate or can not be verified, the credit bureau must delete or modify the incorrect information.
Consumer complaint received 2020-01-02
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. (SC)

I have been in an ongoing back and forth battle with Equifax. I have had two open actively reporting accounts that report to all three credit bureaus. A car loan and a credit card. I have already made sure they report to Equifax and even had the companies send Equifax a letter telling them I have made all my payments on time and that it should be getting reported. I have been told 8 times to send in personal information to verify my account ( no exaggeration ) because they say they need to verify my identity. I have mailed and faxed and each time it does nothing. The last time I was in contact with Equifax the customer service representative informed me that they have no record of my accounts reporting and I told them that they are and that they sent over a letter/document showing proof. They are no help and this has been going on for over a year. This is affecting my life and can not get my loan for college or purchase a home due to not having Equifax credit. I have no other problems with the other two bureaus.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was never late paying my accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I disputed the accounts with Equifax but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-01-02
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: EQUIFAX, INC. (NY)

Equifax has sent me more than 3 times in writing that a item cis information was deleted. I have attempted more than 20 times to have it removed with a incorrect address. The address updated recently after a threat to the XXXX. The inquiry still remains even tho they claim its been deleted. They apologise over the phone every sentence but the information remains in there data bass and on there web site page showing the information remains
Consumer complaint received 2020-01-02
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: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXX XXXX  are currently reporting incorrect information on my credit reort which is the direct result of fraudulent activity. I have advised them of this fact, submitted my ID Theft Affidavit and asked them to provide the source and evidence of the reporting. Not only have they failed to provide source date for the reporting but also continue to report the information in spite of no evidence for doing so.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CT)

Citibank Yanks {$1600.00} in Costco Rewards Points and Closes Visa Card Account Without Warning After years of paying my Citibank Costco Visa on time and in full EVERY month, Citibank closed my credit card account WITHOUT WARNING several days ago and took the {$1600.00} Costco rewards points my husband and I had accumulated over the past year by spending tens of thousands of dollars at Costco. They said they closed the account because the payment I made for the most recent bill failed to process due to insufficient funds. I explained to both Citibank AND Costco that I was in XXXX for work when I scheduled this payment, and that, due to Internet access  restrictions in XXXX, I was not able to view the bank account balance to confirm that the account contained sufficient funds to pay the bill in full. However, as soon as I returned to the US and received a notice about the failed payment, I paid the bill immediately, in full, from a different bank account. 

After trying to use the Visa card this past weekend and having transactions declined, I called Citibank customer service to find out what was going on. They said the account had been terminated, the {$1600.00} Costco rewards points were now no longer in existence, and there was nothing they could do since THEY closed the account. Citibank said they had sent me a letter explaining that the account would be cancelled. We never received any letter. When I asked them on the phone to tell me why the account was cancelled, they were unable to provide a reason. When I asked that they provide me with a copy of the letter, they said that was not possible. 

Citibanks only response was to say I am welcome to apply for a new account! ( a new account that would of course come with {$0.00} reward points ).

Right now, I am just really frustrated. I feel like someone has just stolen {$1600.00} out of my pocket and after I found the perpetrator, they wont do anything about it. Unless this issue is resolved and the reward points are returned to me, I will never do business with Citibank ever again.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

I was charged {$500.00} two times for product I have never received. The bank is refusing to refund money for these fraud charges and they are backing up their partners Apple, Inc. They said they have the rights to charge my card and I cant do anything about it. This credit card with gold man sacks is called apple credit card that is why they are taking apple side! 
I have not made these transactions and i want my money back asap!
Consumer complaint received 2019-12-16
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: EQUIFAX, INC. (AZ)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-16
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. (MS)

I have tried to update my address since XX/XX/2019 as my address changed at that time. I have sent Equifax information to prove that my address has changed a while back but they said it is reporting accurately as my current address, and that is not correct. MY old Address XXXX XXXX XXXX, XXXX, Mississippi XXXX is not my current address. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Mississippi XXXX as of XX/XX/2019 ( see postal address change verification attachment from post office ). I tried top call Equifax today, but there was a recording that said, " Thanks for calling Equifax, System is currently unavailable, sorry for the inconvenience, good bye ''. The Equifax confirmation report number is, XXXX. Also, see yellow label on letter/envelope from equifax ( address change from post office ), included with this complaint in attachments.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC (FL)

An account for collections was opened on my credit report on XX/XX/XXXX from Rentdebt automated collections company in order to attempt to collect a debt for an apartment in which I  previously leased. The amount amounted to XXXX in total. My issue is not with the amount owe but with what the creditor is reporting. The creditor is listing this debt as a eviction which it was not. I remained in this apartment for the entire lease term and was never evicted. The balance remaining on the amount was for carpeting which the apartment had to replace, final water bill and other misc things but never for an eviction. I have disputed this case through the credit karma with the result of " Account information disputed by consumer, meets FCRA requirements. '' I have tried to explain that I am not trying to dispute the amount owed but they way the collections is reported on my credit report. I have so far paid down the balance to XXXX and have a final payment scheduled on XX/XX/XXXX.  According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed ans must be investigated and if you do not investigate and respond, the FCRA must delete the disputed information from the files. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2019-10-01
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. (IA)

I was a victim of ID theft earlier this year when somebody filed a tax return that was not mine. I have since been having problems with Equifax allowing me access to my credit an at the login myequifax.com. I also can not freeze or unfreeze my credit through the website, or by speaking with a representative. 

During multiple attempts they repeatedly tell me my account is locked and they will send me a letter in 7-10 business days explaining. The letters have been standard boiler plate type letters that do not provide a clear path to resolving the issue. 

I have sent in a letter requesting to have my identity verified including my Drivers License, SSN, Utility bill. One time I never heard anything back from them. A month later I called and they claimed the copies of the information I sent were illegible. These were perfectly readable, blown up copies of my documents. I sent another letter to them with the same information and once again never received anything back. 

Another problem is that I can get through the automated phone system to freeze or unfreeze my account ( which I did not discover until many hours of dealing with them telling me I could do nothing. ) using only my phone number, ssn, house number and zip code. I am fearful that without actually being able to login to their site to see my personal information and control my credit at will I will be put in a situation when I cam locked out completely due to accidentally entering a piece of information incorrectly. 

It seems that their system has my account black listed or red flagged to so that any single invalid attempt or inability to answer an arbitrary question dating as far back as 20 years locks me out. When they ask questions to verify my identity they ask questions that I would have to dig through my old records to get the correct answer. They refuse to give any type of assistance such as " this question relates to your " 1998 car loan '' so that I can quickly research. And then once I answer they shutdown and refuse to go any further. 

This process with this company has been very frustrating and as a consumer I should not feel I am held hostage to this cor poration that I do not even do business with. They literally control whether I can get a loan for a car or house.