davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (DC)

XXXX has harassed me regarding their new XXXX credit card, they have been calling me every day to sell this new credit card which I have not been interested at all. At the same time, I had lost my access to my account on the XXXX website due to some glitches on the website and had not received any paper statement from XXXX either. I still do not know what was purchased on behalf of me and I am guessing some of them are not mine. The only choice had left for me was to apply for upgrading for a new credit card, but I was not interested at all. I went on a vacation outside the US and had not been able to pay my balance. Because of that, a late payment was reported to the credit bureaus and my credit score has dropped by more than 10 %. I have contacted them many times and asked them to review my case. At the beginning, they totally ignored me ; then, they said they reviewed it and decided that it was not their issue that there were some glitches in their system, I " should have found some way to pay my balance ''. But I could not see what I was paying for!!! They ignored me many times and gave me misleading advices as well. I have also attached three snapshots from the XXXX ' Credit Card website that shows the error messages I had received.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (TX)

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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-09-26
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Navient Solutions, LLC. (NC)

While attending XXXXXXXX XXXX I was asked to leave the school XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had nothing to do with me however they continue to accept loans under my name I believe that may be corrected I'm not sure and in 2012 a federal judge deemed me XXXX and put me on XXXX my contract states that if I am XXXX at any point in time I was released of the loans I have produced this paperwork from the Physicians to say XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will not be going back to work we have done this five times they continue to report that I owe this money when I have fulfilled my obligation and produced all the paperwork and they continue to destroy my credit again I have done this with this company five times I do not know how to get this removed from my credit nor do I know how to get this company to leave me alone I am on XXXX I received {$840.00} a month XXXX XXXXXXXX I can not afford to pay no student loans please help me fix this thank you the company is navient
Consumer complaint received 2024-09-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Compass Recovery Group, LLC (AL)

Sent to XXXX XXXX XXXX first as they were collecting on the account. They never responded and its been over 30 days. I reached out to XXXX XXXX XXXX and they informed me they are not handling this account anymore.
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (NJ)

I am seeking loan forgiveness because, similar to the issues highlighted in the *XXXX  lawsuit**, I was misled into repayment plans that were not in my best financial interest. The unfair practices left me in long-term financial hardship, preventing me from making significant progress on my student loan repayment. Loan forgiveness would provide much-needed financial relief and help rectify the challenges caused by these misleading practices, allowing me to regain financial stability. 

Thank you, XXXX XXXX XXXX XXXX cell #
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have several accounts at Citizens. On XX/XX/XXXX, a payroll check was deposited for my daughter in her bank account at an ATM, along with my payroll check in my own account. My daughter works for our company and I also have business accounts at Citizens Bank where our payroll checks are drawn from. My daughters account has been opened since XX/XX/year>2024. Payroll checks have been deposited through the same ATM at Citizens Bank, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yesterday, XX/XX/XXXX, a hold was placed on my daughters payroll check for FRAUD. I went to the same branch and the XXXX made a call and said this does not make any sense. The payroll check is drawn on his business account here. His daughter has a checking account here. The check was cleared from the business account but the fraud department stated they are still returning the check to us. That return was processed today with the check on the way back to my daughter. So we have to wait to receive it and attempt to redeposit it again. Our payroll company, XXXX XXXX XXXX, creates our checks for our entire staff, now XXXX employees as of XX/XX/XXXX. We all deposit our checks via a branch or ATM or cash them. My daughter cant even use her debit card from another account she has here, it was declined a few times on XX/XX/XXXX. Its always something with this bank. I am supposed to have someone assigned to my business, he has never called me despite set appointments. They do not extend personal or business credit despite having a XXXX credit score, numerous relationships, and consistent business deposits monthly. I am looking into other banks to shut every single account down, even my XXXX childrens accounts. How is it possible to determine XXXX payroll check is fraudulent when you cleared all the prior ones, deposited through the same ATM after work, at the same branch with the same signature. When you call customer service, no one can help you, they pass you around. You go on XXXX XXXX XXXX and read a bunch of bad reviews, I just placed XXXX. This is ridiculous. Whats wrong with this bank. Even the XXXX couldnt understand why they determined a payroll check to be fraudulent, created from a business account, deposited into a personal account all at the same bank, and then issue a return. Their app always freezes on me everyday. Im looking to move all my relationships, all XXXX accounts. They also placed my daughters account under investigation which is also my joint account. She is unable to use her account.
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Fresh Holdings Inc (IL)

I opened my Credit Fresh account while I was living in XXXX XX/XX/XXXX. I moved from XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX Credit Fresh does not operate in XXXX  . My signed agreement states " If you are no longer a resident of the state in which your Account was originated, we may terminate this Agreement. '' I have submitted my new driver 's license with my correct address via online portal 3 different times, with the most recent upload being in XX/XX/XXXX. I have requested several times that Credit Fresh update my account to reflect the correct address but the company refuses to update it. Each time I call the Credit Fresh customer service line, I am told the request was submitted to Compliance and it would take 3-5 business days for Compliance to reach back to me and update the account. I have called Credit Fresh 4 times since XX/XX/XXXX and each time I am being told by the customer service representative I would get a call back by the end of the business day & if I do not receive a call, I would need to call back the following day.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

Im not even a month into having this bank account ( XXXX ) and they freeze it for undisclosed reasons. They wont tell me why XXXX Ive gotten asked was do you have a XXXX party bank account and I responded with you guys are my XXXX party account as your only online banking I thought that just made sense.. 
Ive been restricted from my account since XX/XX/year> and its now the XXXX. 
Ive called over and over and get the same thing said to me every time we cant give you any information and you have to wait for an XXXX to get back to you Ive talked to XXXX to see if I have can give him legal documentation and he denied. 
I than requested for my money to be put back where it came from and still heard nothing from them. I have about XXXX XXXX in that account And that was supposed to pay for my rent which Im now behind on.. I want my money returned and this bank account closed
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

My loan was discharged in XX/XX/2024 due to XXXX XXXXXXXX. Mohela refuses to honor the discharge and is still trying to collect the money for a discharged debt. I call them and. the give me the run around and tell me I need to contact XXXX. I talk to telnet and the said they definitely furnished Mohela with the discharge paperwork and they are trying to scam me.
Consumer complaint received 2024-09-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I got a notification on my credit report and it shows AMSHER COLLECTION SE is trying to collect {$160.00}. I contacted them and explained that I dont have any account with XXXX XXXX and I have been with the same Internet Service provider XXXX XXXX XXXX XXXX XXXX  for years. I told them that I can show my monthy payment bills but they refuse to accept and hangs up on me very time I call to make my case. I requested for them to remove this collection on my credit report but refuse to do so. I contacted all 3 credit bureau to dispute this but they said they AMSHER COLLECTION confirmed its mine. With this collection on my credit report it signifcally took down my credit score.
Consumer complaint received 2018-09-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (TX)

I was contacted on XX/XX/2018 by someone claiming to have a claim in his office which is DNF Associates about an old auto loan/ repossession from phone number XXXX which he said I needed to call by XXXX the following Monday are legal action would be taken but when I called the number back it was not a working number. He threatened that if I did not take care of this matter that day legal action would be taken against me I told him I was not sure of this debt he claimed to had and he continued to harass and even laugh at me about the situation. Even informed me that I had a XXXX credit card and that I needed to use that to pay him that he saw it had a nice size available balance that they would accept after he said he found it on my credit report even mocked me for disputing information on my credit report. I explained to him that I had to look over information and finances and I let him know I have never received any information from him are his company. I contacted the original creditor they gave me the name and number of XXXX XXXX at XXXX.She informed me that DNF Associates  was not suppose to contact people that they are suppose to use out side sources to do so. This debt is reporting incorrectly I was never informed by the original creditor that the car was being sold are detailed information about the debt they claim that is left over from the sale of the vehicle.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (TX)

This company Penn Credit Corp is calling me multiple times a day from multiple States with different phone numbers trying to collect a debt for XXXX XXXX who has been informed multiple times ( Police report, FTC Report etc. ) that the account is the result of ID Theft and is therefore XXXX XXXX is in violation of FTC Rule 605B.
Consumer complaint received 2018-09-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

I have been trying to work with J. P. Morgan Chase to turn my house back over to them. But I feel that the company would rather force me into a foreclosure. I have cooperated with the bank as much as possible and submitted all the necessary paperwork that they requested, even more times than I feel was necessary. But then I get a letter back from them stating that I'm not eligible for the deed in lieu of foreclosure or any other options that may involve turning the house over to them because the property is vacant. I had informed Chase bank several times that the property is vacant and they led me on through this process rather than just telling me that I was ineligible because the property is vacant. This is why I feel they're trying to force me into a foreclosure which would do more damage to my credit. Also, I feel that there are other options for us to resolve this issue without more harm to my credit that they may not be disclosing. Enclosed is the letter of denial from Chase and a letter from their attorney regarding foreclosure.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I summited a complaint, against all 3 credit Equifax XXXX XXXX with CFPB CLOSED THE DISPUTES AND STATED I NEEDED TO SEND A COPY OF ALL INQUIRIES THAT I BELIEVE THAT ARE NOT MINE AND I NEVER GAVE PERMISSION TO RUN MY CREDIT, I HAVE ONLY 8 POSITIVE LINES OF CREDIT ALL OTHER INQUIRIES I NEVER GAVE PERMISSION TO ANYONE OR COMPANY TO TRY TO ACHIEVE CREDIT ON MY BEHALF I DEMAND FOR ALL FRAUDULENT INQUIRIES TO BE REMOVED BY EQUIFAX XXXX XXXX I AM UPLOADING ALL INQUIRIES THAT I DO NOT HAVE A IDEA I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (UT)

I had a XXXX XXXX credit card. It was a secured card. I was unemployed and tried to catch up on payments and work out a payment plan to keep the card open but they refused and sent me to collections. This account is now closed and they are demanding payment. It is with XXXX XXXX.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (PA)

Good Evening I purchased a prepaid card from a XXXX XXXX. The card was {$2.00} and you had to load money on the card so I added {$15.00} on it. I get home to register the card as it said but it wouldn ; t allow me so I left it alone until the next day. So, something said check my email well netspend sent a message saying my card was registered so I go back on line and it was telling me to set up a password to the account because they already had my email address so I did that, then I was able to get into my account. So I checked my balance for the {$15.00} and it said XXXX so I called net spend and the representative told me that I wasn't approved to use their card services I asked why and he could tell me the reason so I was irritated because if I had of know these people was gon na run my credit I would have never purchased the card. These people are running your credit for a prepaid card and it never said that on the outside of the card I feel like I was scammed and these people are selling this card to get your personal information. Is this legal?
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section XXXX ) that you, the Chex Systems , Inc XXXX block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX account number XXXX in the amount of {$1200.00}. 

This account has resulted in a fraudulent account appearing on my consumer report. I have listed this fraudulent account that is on the report that is being maintained by you. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer report that is being maintained by you was not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account is the result of identity theft and fraud.
Consumer complaint received 2018-09-24
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: CONTRACT CALLERS INC (TN)

I paid a debt with Contract Callers in XX/XX/XXXX of {$350.00}, receiving their cheerful verbal commitment to remove the aged debt from my report, as we were approaching the seven year mark, and I paid in full without requesting settlement. 
Contract Callers did not remove the item, and continues to incorrectly report the opening date on the file. I filed a dispute with all three credit bureaus in XX/XX/XXXX In their response to the dispute, they confirmed that the opening date was XX/XX/XXXX. 
I called XXXX on XX/XX/XXXX and the representative confirmed the final bill date from the original creditor was XX/XX/XXXX. She escalated concern to their compliance office and committed to have this removed by XX/XX/XXXX. 
I called the original creditor and received documentation confirming the date of the original debt as XX/XX/XXXX. 
Contract Callers is not following through on verbal commitments, and is not researching disputes closely enough to verify the origin date. ( They acquired the collection account in 2017 and were not through enough to verify the credit dispute correctly. ) This entry on my credit report is causing me financial harm, and preventing me from getting loans or credit at rates appropriate to my credit history.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (LA)

XXXX 's closed the account in XXXX, without notifying me. I had requested a new card, but they never sent it and subsequently closed the account for inactivity. I called for over an hour trying to get them to fix the issue, but the adamantly refused to reopen the account, insisting that I would have to reapply. This gives me a credit ding for the closing, and one more for reapplying. Plus, I lose 7 years of credit history. This is a despicable business practice.
Consumer complaint received 2018-09-24
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. (NY)

Citibank closed my credit card of 5 years without any warning or reason. I have never had a late payment on the card and ensured it was properly managed. This adversely affected my credit score since it was the only credit card I had and wiped out my entire credit history. I am trying to recover on the shock on my credit score. 
On a separate note, I got a mail that they'll be closing my checking and savings accounts but nothing on my credit card, for no reason! However, while inquiring from one of the branches, I was told it could be because I have family in XXXX which is a high-risk country. I was also told my bank contract has a clause that the company can close my accounts without any credible reason. However, discrimination should not be allowed on any level. This is a big discrimination, as I have this account since my student days and when I got a full time job. On no occasion, did they give me a credible reason why they would closed my checking/savings accounts and did not have the courtesy to warn me before closing my credit card.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

On XX/XX/XXXX, I was notified via my credit report that {$100.00} was owed. I contacted the original creditor XX/XX/2020 to confirm that my account was in good standing and no amount was past due. I have never received a letter from CBE, a phone call, or any type of notice prior to CBE reporting on my credit. I made multiple attempts to contact CBE by phone and each time I was sent to an answering machine to leave a message. 

Since I can not get in touch with CBE, I am coming to the CFPB and XXXX   to request immediate validation of any amount they are saying I owe. If they can not provide validation I request that this is removed from my credit report as it has a negative effect on not only my credit worthiness but my XXXX XXXX XXXX.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I am behind on my loan payments to One Main Financial. They are illegally calling my family members. 
They have called my mother in law twice. They talked to her once about my debt and then left a message the second time. 
Then today they called my father in law and left a message. 
The person making these calls is XXXX XXXX from One Main Financial Office in XXXX, TX XXXX I have not given them permission to contact my family! I told them on the phone I am currently unemployed and not able to make any payments at the moment. 

XXXX XXXX.
Consumer complaint received 2018-08-02
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: Experian Information Solutions Inc. (CO)

I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.