davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
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. (KY)

My student loans has been taken over by Navient, and I've always had an issue with trying to repay my loan. I've would like an affordable income driven repayment plan, but it seems all that I've ever been offered when I fill out paperwork for income driven repayment plan is to XXXX back, and this amount is what I owe for a year. All the while I know that I'm accruing another year of interest. I've spoken with Navient representatives about trying to just mail XXXX a month or something affordable and was told none of that would even go toward paying off the principle because I owe way more than that in interest every month. Another representative told me once that I should defer my loan for the next 20 years because after that it would be forgiven anyways. I've felt something is wrong with Navient ever since they took over my loan. I will never be able to pay this loan back with how high my interest rate is.
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (TX)

I am trying to use the Cell Phone protection benefits on my cards. I have submitted the required form and all documents to the company ( Wells Fargo ) via email twice, and have not received any status updates despite continued efforts to contact them. I called them and was told they would be in touch with me but they never got back in touch with me. This has been ongoing for several weeks. The claim was initiated on XX/XX/2018 and I last heard from them on XXXX XX/XX/2018. The amount is {$600.00}, the maximum amount covered in this insurance.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (FL)

Innovis credit bureau is listing 2 XXXX XXXX accounts from XXXX XXXX on my Innovis credit report. 

XXXX XXXX  transferred my original XXXX XXXX account opened XX/XX/XXXX, to another office, without my consent. After the transfer, XXXX opened a new XXXX XXXX account, without my consent, in XXXX of XXXX, and closed the original XXXX XXXX account # XXXX, without my consent. 

I should only have the original # XXXX XXXX XXXX account opened on XX/XX/XXXX showing on my Innovis credit report. The 2nd account is considered an unauthorized duplicate account, under the terms of the Fair Credit Reporting Act, passed by Congress, and must be deleted from my Innovis credit report. The FCRA is very strict in its rules on reporting accounts that were transferred. There can be no duplicate accounts listed on a consumer 's credit file, if the transfer was done without the consumer 's express written consent. In this case, there was no express written authorization submitted by me, to ever have my account transferred to another office.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Beginning in XX/XX/XXXX I requested proof from Chase that I was ever late and why they are reflecting this account as charge off which is not accurate. ( see attach letter. ) I never received any documentation from showing either a signed appliction or a complete pay history., cies but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the information reported.
Consumer complaint received 2018-11-01
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: Conn's, Inc. (TX)

I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and Conn 's Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
Consumer complaint received 2018-10-20
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: WELLS FARGO & COMPANY (FL)

WELLS FARGO-XXXX viewed my XXXX credit report on XX/XX/2017 and XX/XX/2017 without my consent or knowledge. 
XXXX XXXX XXXX via XXXX viewed my credit report on XX/XX/2017 without my consent or knowledge. I have contacted them directly and XXXX disputing these inquiries and they never take any action to investigate or remove these inquiries. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized or at least known about them viewing my consumer report otherwise, I am asking that they remove these inquiries from my XXXX file.
Consumer complaint received 2018-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

State Home Mortgage XXXX or XXXX or XXXX call contact numbers that me and many other consumers are having issues with when calling in to get answers on mortgage matters. 

I received a call from State Home Mortgage on XXXX/XXXX/XXXX at approx XXXX EST asking me when do I plan on making payment. I felt that this number one was very unprofessional versus asking me what is going on or if I was aware that they had not received payment. I then explained to the representative that I made my payment via online Bill pay through my financial institution on XXXX/XXXX/XXXX and that the payment was taken out of my checking account on XXXX/XXXX/XXXX. I then proceeded to ask since the check that is cut and mailed out is post dated if I would receive any late fees the rep stated yes if they do n't receive payment by the XX/XX/XXXX. Why is this this does not seem to be fair or ethical maybe I am wrong. 

So I immediately called online bill pay to have an escalation to have them do further research on where the check is. Upon calling back on XXXX/XXXX/XXXX numerous of times and selecting the option to speak with customer service directly again at State Home Mortgage the phone lines kept disconnecting my call as if their were some technical difficulties. Once I was finally able to get someone on the phone they stated they are aware of the issue but it is due to their high call volume. Sounds like they need more representatives. Upon reading XXXX reviews I discovered after being locked out of my online account to review information as it pertains to my mortgage that it seems as if State Home Mortgage has deceptive practices that I feel need to be investigated immediately. One being their phone lines and no one being able to get the answers they are looking for and two getting a call back in a timely fashion upon leaving voice mail after voice mail after voicemail. It is ridiculous and shameful that I have to call 20 something times for their phone line not to hang up on me. Another issue that many consumers are having is not being able to make a payment on their website as the representative suggested to me because they are having issues with Bill Pay. What type of issues when a check is cut and mailed to you all 15 days before I am late with the exception of myXX/XX/XXXX payment.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I got a settlement ; 3 years ago I got a settlement from XXXX for wrongful termination. I took a {$50000.00} settlement, instead of XXXX to XXXX with a free attorney. Due to being homeless I was desperate and took the lower amount, the settlement checks came in two parts, one for XXXX and one for XXXX. The first one I cashed and bought a car. I owed XXXX on the balance of the car, paid bills, ect. My XXXX check came and I attempted to cash it at Chase bank on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Instead of Chase offering me to open my own account, I signed the check over to the car dealership owner, the man who operates XXXX XXXX XXXX which is located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone number XXXX that I bought my car from per the advice of the bank teller in order to cash it and receive my direct cash. I have a witness to all these statements if needed. They said the check did not clear right away, and that they would transfer the funds from the Car dealership man account to a separate account when the check cleared. But they did not return my check to me when I left that day ; looking back they should have when the checks funds could not be verified. Chase did eventually divert funds to an account in my name, but not for the correct amount, it was XXXX short. Due to being homeless, I and having a diagnosed XXXX  XXXX that prevents me from understanding things clearly, having no mail, email, po box . I had no access to information about my account. So recently, I inquired about {$3000.00} I put into a 3 year CD account. I was told to come in and show ID on the account. Upon doing so, I entered the branch on XXXX XXXX XXXX and XXXX in XXXX XXXX CA. I requested copies of the account, and the teller had an issue with retrieving the statements on my entire account including the CD account and told me to come back later that day. They did give me the statement, refused to answer any further questions, and even turned away my direct deposit check, and told me that they would no longer want to do business with me. I Called Chase before on a balance on my account, and they said there had seemed to be a lot of fraudulent activity on my account. They refused to give me a copy of my original {$40000.00} check.
Consumer complaint received 2018-02-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

AFTER 3 PRIOR ATEMPTS TO RESOLVE OVERCHARGING INTEREST WITH XXXX XXXX, IN XX/XX/XXXX I FILED CASE NUMBER XXXX WITH CFPB. 
XXXX XXXX ON XX/XX/XXXX ADMITTED FOR THE 4TH TIME THEIR ERROR AND GAVE AN EST. CORRECTION DATE OF XX/XX/XXXX. AS OF XX/XX/XXXX NOTHING HAS BEEN DONE AND THEY CONTINUE TO OVER CHARGE INTEREST.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

When I use my credit card, which is a Bank of America card, to withdraw a certain amount from my account the first time, by withdrawing from the machine normally, and if I use the same card to withdraw another amount on the same day, the machine refuses to give me the required amount even though there are sufficient amounts in my account, and this caused me several concerns. Sometimes, why don't I calculate from my account the amounts I want at a time, even if it is on the same day? Secondly, if I want to transfer an amount from my account via zelle to anyone, the bank refuses to complete the process, and this is a large number of the bank to the point that I became intolerant of this transaction
Consumer complaint received 2018-02-16
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: BARCLAYS BANK DELAWARE (UT)

Institution Information BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

XXXXnstitution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (FL)

This Account is not mine I have been getting fraudulent activity on my account profile with creditors and it has been reported in the pass. Harris & Harris , Ltd is the collection office that added a negative account with my creditors. 

Thank You
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (PA)

Equifax has Promotional Inquiries after I file a Notice of Election to opt out of any and all Promotional Inquires. I filed and requested back in XX/XX/2017 and I still see on that Equifax is still showing Promotional Inquiries.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This most recent XXXX, I was out of state and lost my phone which then got STOLEN. I didnt think much of it at the time because I was attending a family funeral. I still had my physical debit card so I continued using as normal. We eventually tracked my phone down to under a bush and I saw my bank was emptied into crypto currency. I contacted bank of America on Monday, XX/XX/XXXX and they opened a claim, i checked today and it said the claim was closed. I called customer support and they stated that I accepted pop up security alerts on my phone. How would I do that with a lost phone? Clearly whoever had my phone did it to continually make transactions. Luckily the reopened my case but I am not having to move out, late on bills and {$0.00} in my account! I would like my money back that was stolen from me!!! I trusted them as a company with my hard earned money.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AL)

Today I applied for new insurance My rate was terrible I called to ask why. They stated as I have enclosed proof that Lexis nexus added that I was at fault for an accident on XXXX I am enclosing the police report showing I am XXXX XXXX and its clear I was at a stop sign and was the victim. It was a 4 way stop and as youll see, I wa sitting still. 
Lexis nexus for XXXX years now, have added this to my insurance report, stating. I was XXXX fault. Costing me thousands and thousands I emailed them the police report immediately. 
Then called XXXXXXXX XXXX  later, she said that XXXX lied and it was never in my report. I told her I bet they were covering their tails after they saw the police report. She literally laughed at me and said it was never there. 
XXXX didnt lie, Im enclosing proof. 
By my calculations for XXXX years now, I have paid an extra XXXX XXXX a month on insurance for an accident that was never even my fault. They just decided to make a buck by reporting this. I have enclosed all documents My daughter and I as youll see on the police report were sitting still, a woman was texting and driving ( and she was arrested for that ) and slammed a truck into us, my back was very badly hurt and Im still hurt XXXX years later and this place has the gall to report false information Now, theyre going to lie and say it isnt there anymore after I called them out, after my email of the police report, they deleted it completely but you can clearly see todays date XXXX from XXXX insurance in the papers I attached where they sent them this information. Doesnt matter if they rushed to cover their tails and deleted it, the damage is done for six months with XXXX and they should have to pay for this.
Consumer complaint received 2024-10-29
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. (SC)

According to law 15 USC 1681/1681S-2/1681 ( 5 ) 1681c ( b ), according to XXXX XXXX XXXX in 1997 ; XXXX is supposed to ensure maximum accuracy Please delete these inquiries ( ASAP ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX  XXXX XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Employers : XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit 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 Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

This XXXX XXXX on my credit amout is wrong this stared in XXXX  was removed. Now it back. I asked for copy of a XXXX XXXX that states I am that far behind. Court orders and more no one wants it to me. There is an open investigation on this department
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my consumers report I noticed that there were multiple accounts listed that didn't belong to me. I have never had any dealings with these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-02-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (NJ)

I am unsure as to where this is furnishing from and why, but I noticed on my credit report 3 separate amounts reporting XXXX, XXXX and XXXX. I never received a bill for this at all, nor am I aware as to where this is furnishing from. I then found a bill with a single item of XXXX which is the sum of these three amounts. There is no itemization whatsoever on the one bill received. Again, I still don't even know what this bill is. However, why is a single bill being reporting as three separate items to my report. Is any of this even legitimate.
Consumer complaint received 2024-09-07
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. (NY)

Ive recently received a c copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have two accounts that are showing as being collected by Portfolio Recovery Associates- one from XXXXXXXX XXXX XXXX XXXX and one from XXXX XXXX. 

I have advised representatives from all three organizations that this debt was a result of identity theft or is in some other way not my debt. XXXX XXXX XXXXXXXX XXXX  account that I have is still on my credit report with the original creditor and is being paid as agreed ( though closed, it is in a payment plan ). The XXXX account, I have never seen before at all ; I have XXXX accounts on my credit report, but all are paid in full or closed with a {$0.00} balance. 

Neither of these accounts belong to me and the address listed on the accounts are an address I have not been at for a minimum of five years.
Consumer complaint received 2015-04-01
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (MD)

I filed, y taxes online through IRS and I had the option to either get my refund loaded on a pre pay card, Direct deposit or either get them mailed out to me. I choose to get the prepaid card through this company called Pay Power. 
I called paypower on today, which is Wednesday, XXXX XXXX, 2015 and I asked for my balance and I was informed that it was a balance of 300 dollars on my account. However, when I went to use my card I was informed that it was block on my card, mind you I have never used this card before. I called Paypower to find out what was going on and they informed that my card had been blocked because of Fraud. I asked them if they partner with the IRS how could it be tagged as fraud. I asked for his name and I XXXX number and then he hung up on me. I want to know how is there anything I can do to get my money back.