davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Portfolio Recovery, LLC (FL)

I submitted a complaint to the Better business bureau in regards to this complaint and the company sent me a letter stating " We have completed our investigation of your dispute concerning this account '' Attached was a statement balance reflecting {$1000.00} however this company was reporting {$1000.00}. Regardless of how small the error was it is their responsibility to maintain true and 100 % accurate information when reporting to the credit bureaus. They failed to update the account when asked to validate the debt.A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate such as misstating the balance due. They are in violation of my rights and I am requesting the account to be deleted.Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Your company is in debt dispute violation as you have failed to do the following : -submit corrected information to the CRA subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect
Consumer complaint received 2017-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MS)

I have called multiple times concerning my current loan repayment plans. They gave me listed as four months in delinquency ( which I am not, even according to their documents ), and when I ask them why, they tell me that they are not sure. When I ask for more info, we get " disconnected ''. I keep calling and nothing gets solved. My payments are showing as being credited to the right accounts, but when I call, I get different answers. I have been told four different amounts due today by four different representatives. They told me once today that I needed to lay over the phone a different amount, and I did, but apparently they credited the wrong account. Now I have to pay more. I need help please!!!!
Consumer complaint received 2020-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

Navient has been using unfair business practices, inaccurate credit reporting ; inaccurate and fraudulently application of student loan payments ; Providing me with false and misinformation. Continuous violations of the Fair Credit Reporting Act and Fair Debt Collection Act. 

Please request these two loans, one subsidized and on unsubsidized loan with Navient discharged ; these loans were fraudulently executed by XXXX XXXX XXXX, XXXX XXXX CA ; The school has since closed, and was not credited and mislead students with the cost of school, the accreditation and did not provide transcripts, and or diploma. 

These loans should of been discharged due to school closure ; Navient has my student loans set up to only have payments being applied to interest. None of my payments are being applied to the principal balance ; I have called several times and requested by mail, email and telephonically to discharge these fraudulent loans. Requested accurate information of the status of my account. Payment are only directed to interest. I am very concerned that Navient is operating a fraudulent, student loan servicing organization. 

Please discharge these loans immediately and report to the credit agencies accurate information as discharged. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-05-08
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: I.C. System, Inc. (TX)

My ssn was stolen a few years back and I have had random accounts like I.C. Systems pop up over the years which XXXX  and the other bureaus should clearly be able to see on my account! It is unacceptable that XXXX  verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in XXXX  approved and taking next steps to make sure all involved are held accountable!
Consumer complaint received 2021-05-20
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. (GA)

My final resolution is to show proof I have advantageously tried to remove the incorrect and or erroneous credit reporting information on my credit report. 

XXXX has three outdated accounts for different about showing on my credit report from XXXX, XXXX, XXXX ( These accounts are past 10 years and should be removed ) XXXX XXXX ( account showing on credit report ) XXXX XXXXXXXX ( past seven years ) XXXXXXXX XXXX ( XXXX accounts XXXX XX/XX/XXXX XXXX XXXX ( XXXX AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on my account as accurate payments on time. XXXX ending in XXXX expiration date is XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

Discover services closed my account and blocked my payment after an inquiry submission about a lost payment. After submitting a billing dispute and a CFPB complaint they closed my account and told me they closed it because we can. They will not investigate the late payment. It has been over a year. They have blocked my payments several times stating they now need the full amount. By doing so they caused harm by negatively reflecting false late payments to my credit and push the interest rates beyond XXXX XXXX XXXX  they also have pulled my credit falsely putting applications in my name then denying the applications. They have broken many laws and have committed crimes against me which has resulted in extreme hardship. They are now threatening to put me in collections without proper investigation and even in XXXX
Consumer complaint received 2018-05-18
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: LD Holdings Group, LLC (FL)

I AM FORMALLY DISPUTING AN ERRONEOUS REPORT MADE TO THE CREDIT BUREAUS BY LOANDEPOT ON MORTGAGE ACCT # : XXXX On XX/XX/XXXX I enter a 3 month forbearance program offered by LoanDepot to the Florida residents affected by hurricane Irma. As such, I did not have to make payment for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I contacted LoanDepot to make payment arrangements to bring my account up to date. Along with the assurance of not reporting any negative information to the credit bureaus a loan modification was tentatively offered to me after a 3 month trial period in which I would have to pay the amount of {$1600.00} every month from XX/XX/XXXX to XX/XX/XXXX. 
After making all 3 payment ( XX/XX/XXXX XX/XX/XXXX ), I contacted Loandepot on XX/XX/XXXX to ask why my account was reported 90 days delinquent to the credit bureaus. LoanDepot representative told me that it had been a mistake on their part and that the account shouldnt have been reported late or delinquent. LoanDepot also stated they were going to report back to the credit bureaus to correct the erroneous report. On the same call a payment for the amount of {$4700.00} was made to bring the account to current ; therefore, the previously offered loan modification was not utilize. 
To this day two credit bureaus ( XXXX and XXXX ) are showing my LoanDepot account as 90 days delinquent ; consequently, significantly dropping my credit scores ( in the case of XXXX almost 200 points ) which in turn affects my ability to make significant purchases and investments previously planned. More importantly affecting my XXXX XXXX status. I am a XXXX XXXX and XXXX XXXX XXXX subject to periodic background investigations in which credit history is given serious consideration and attention when determining the ability to maintain a trusted position such as mine.
Consumer complaint received 2017-11-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi my name is XXXX XXXX we bought a house inXX/XX/XXXX let me tell you when I mean going through the process of this was a total nightmare. We were first told 45 to 60 days that started in XXXX XXXX in XXXX we were told I only needed one thing to finishe that took a month going back and fourt with underwriting and lender. Then in XXXX we were told the house was ours that was on a Thursday we were scheduled to close on Monday on the Friday before we were told the person handling our file no longer works there and we have to start all over again from the beginning. Collecting bank statements, check stubs employment verification again why the others we already got couldnt be used I do t know. This took another 3 months now doing this whole time my husband who is XXXX and has major health issues goes on a XXXX at night we were forced to live in a motel paying {$400.00} a week. Then finally the day before we closed the underwriting calls and ask if anything happened to my husband could I handle the house payment. That right there is illegal we feel like the whole process was a big joke and we were being played. Now at the end of XXXX we were in the Hurricane I missed days from work caught XXXX. I was told if we called our mortgage company they would work with us. Oh ya they are working with us alright told me I could have a 3 month forbearance pay what I could. I asked the gentleman I spoke with if I was gon na get penalized for not making a payment and if I was gon na have to make a large payment in XXXX he told me no. Big lie now I find out I gave to come up with XXXX by XXXX first. Im afraid to ask for mortgage assistance for fear of being put through the run around again I dont wan na lose my house I can handle the payments we just got put in a situation with the Hurricane.
Consumer complaint received 2023-03-08
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. (TN)

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

There has been a collection of {$770.00} on my credit report since XX/XX/XXXX from I C System. I have disputed this collection several times, only to get the results that it can not be removed because it is verified to be mine by I C System. The last dispute number I did on XXXX  is # XXXX. On today, XX/XX/XXXX, I contacted I C System at phone number XXXX and was connected with an agent by the name of Ms. XXXX XXXX, badge number XXXX, to try to see what the collection was on my account. She stated that she could not locate the account with my name, phone number, or address. I asked if she could contact a supervisor to aid her with finding the account. Ms. XXXX XXXX, badge number XXXX, was the supervisor on call. Ms. XXXX searched for my account as well. They both looked at every person who has my name in XXXX  and were not able to find the account that they are reporting. The last time that I C System reported to the credit bureaus ( XXXX  and XXXX  XXXX was Sunday, XX/XX/XXXX. After being on the phone for 44 minutes, the agent and supervisor could not verify any account in their system connected to me. I am filing a complaint because I asked the supervisor, Ms. XXXX if she could send out a letter verifying my association to this account and debt, she said that she could not do that because she does not see an account/ debt linked to my name, phone number, or address.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2019 I purchased a membership with XXXX XXXX XXXX. This is a membership which cost {$140.00}. Membership includes a {$10000.00} line of credit/trade line with a yearly fee of {$99.00} which will be reporting to all 3 bureaus monthly. I purchased this membership and the company failed to report to the credit bureaus as stated in the membership package. I called this company and was told to give it at least 45 days to report to the bureaus. I waited XXXX and XXXX and finally asked for a refund and the company responded With Your account is now activated but it still never reported to the bureaus. So I didnt receive the services they claimed to render. The purpose of the purchase was to reduce my utilization on my credit report. This line of credit never reached my credit report and I found out that this company was reporting to the bureaus but was shutdown by the bureaus due to underwriting issues. They asked everyone to be patient and they will fix the problem. They stopped responding to everyone emails and they blocked the phone number from calling them. They also changed the website from stating reporting to all credit bureaus but I have a screenshot of the old webpage which states otherwise. The membership fee is not the issue with me, the service that this company says it provides that comes with this membership was not rendered. Therefore, I demand my refund. I was paying for a {$10000.00} line of credit which reports to all three bureaus and my services were not rendered. Therefore, I need a refund. I disputed it with my bank Wells Fargo and they claimed they lost the dispute because i signed a contract and I explained the problem was not with the contract, it was with the services it claimed to provide and it failed to uphold its end of the contract. Therefore, I didnt received what I paid for.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

There is a account on my credit report with Synchony Bank /Pay Pal which I have no knowledge about. I have never had an account with PayPal Credit. I have called and spoke to many people and no one can give me any information about this account except to say it looks like fraud. I have disputed this with the credit reporting companies and from what I understand that's all they do is verify account name address and personal information, they don't ask or verify whether or not the charges are legitimate or not. 
I have no knowledge of this account and it's difficult to obtain any information on the charges for this account. Also, if I may state this company has two accounts on my credit report with the same information.Thanks
Consumer complaint received 2023-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc. (KY)

So, I've tried working with the original loan owners ( XXXX  ) and having them work with my XXXX XXXX, then filing with the XXXX and CFPB with XXXX. They weren't merely unhelpful, they were condescending and just awful. They've since sold this loan to a backwards, archaic to the point of feeling really sketchy company called SST, which I've heard is a debt collection company ( I think because they knew they were having problems collecting on their predatory loans ). I've tried to get this company to work with my XXXX XXXX XXXX, but I think they have even few people working in customer service. 

I got the so-called credit builder ( or I thought it built credit ) loan in XXXX where they gave me {$1500.00} ( I only wanted an outright loan, but they only gave me this option and tacked on {$2500.00} in " savings '' that I couldn't touch with the gouging interest rate of XXXX XXXX with a credit score of XXXX and an estimated income of around {$34000.00} gross income with a huge debt burden already ( I think it was {$8000.00} XXXX then maybe more ). Most personal loans were denied me. I don't understand why I was even offered this. It is predatory. Oh, and the payments were {$200.00} a month. A HUGE burden. I was trying to use this to pay off loans, to improve my situation. I thought that would increase my credit, and I could pay off this predatory loan with huge payments, the only way it would have been worth it. Instead my credit barely changed until recently ( but my debt burden is so high, I still only can get payday loans which are worse ). My debt increased a huge amount. I started having to take out cash advances, other small loans, and starting getting late on bills which I've never done before. I have since had to borrow $ XXXX from my mother with no end in sight to having to keep asking for money as well as constantly using my cash advances. Plus I've had help from family knowing I was struggling, so extra help besides that from my mom. I'd been managing ( tight, but without any help, any late bills, any cash advances ) my previous debt ok, but after I got the XXXX loan, it all snowballed and I was looking at what if I had to file bankruptcy until I found out about debt management programs and started one with XXXX ( which XXXX refused to work with after saying they would ) and which caused my credit cards to be closed. I've paid {$1600.00} to XXXX, I received {$1500.00} I've received to date from XXXX. I tried to get the new lender to work with my XXXX, but I've heard nothing for two weeks. Absolutely as uncaring and unwilling to work with me in any way as XXXX.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I have reported Coinbase to the FBI Cyber-crimes OMB CONTROL unit under their consumer fraud division. Also filed case with NYSDFS, Filed report with the Federal Trade Commission and The Attorney General of Virginia. Demanding that this matter be handed over to their legal department. I have never even tried to use these funds to buy crypto. This all began Thu, XX/XX/2020 and still without a simple call or answer where my {$32000.00} are. I want these funds transferred back to my bank and the account close.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

Chase freedom canceled my card and with that I lost all my points XXXX or {$1300.00}. They say they sent me notice but I never received anything. I also think I had signed up for paperless so a letter from a credit card company would have gone unnoticed. I would like to collect my rewards. I didnt know a credit card company can just cancel a card? I never missed a payment and kept that card I care of emergencies.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

I use XXXX everyday for friends and family that need to pay me back, m & t bank has froze my account and took {$2400.00} from my account, i read m & t bank XXXX terms and conditions they do not do refunds/chargebacks for the other party. I already filled a cfpb consumer complaint, m & t bank responded M & t bank did not respond to my needs, i read this with my attorney the one who actually recommended i file a complaint with cfpb.We both agreed M & t bank completely talked about another topic.M & t bank responded and talked about the restraint on my account and never talked about the XXXX transactions they refunded without my permission or notifying me or refunding the money they took from me from there mistake, i use XXXX for strictly family and friends, i called XXXX, XXXX told me they do not do refunds or chargebacks.I will continue until i get those funds refunded, taking advice from my attorney, were both going to take this very serious.
Consumer complaint received 2021-03-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2023-03-10
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. (OH)

I received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
XXXX XXXX