davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

On XX/XX/XXXX, XXXX  XXXX XXXX sent me a letter approving my Income-Driven Repayment plan for the total amount to be billed monthly at {$320.00}. After getting a one-month forbearance, I paid the total amount with two separate payments electronically by the due date. The first payment ( electronic debit ) was {$210.00} and the regular bill was {$110.00}. This totals the agreed amount of {$320.00}. A day after the due date, after I paid, I checked my account and saw that my account was delinquent. I was told I owe {$75.00}. This is not part of my payment agreement. 

I called customer service on XX/XX/18 and spoke to a person named XXXX at XXXX   XXXX XXXX. She told me that XXXX XXXX has two systems. In the system I see, I am overdue ; however, in another system I can not see, I am up to date. She said she " is going '' with the one that says I paid. I told her that when I call or log in to my account, it shows that I owe {$75.00} and that my account is delinquent. I asked if I should just pay the amount. She said I can or not, it does not matter. I said I am worried that my credit will be destroyed, that my loans at my current graduate school will be canceled, and being in default could prevent me from getting a XXXX XXXX. She said that they would not report me until 90 days, so I SHOULD be okay. She apologized, but I was left hanging. 

I did email their advocacy hotline ; however, I am very, very worried because if this continues, XXXX will cancel my aid, and my credit will suffer. I don't have much time. I have had repeated problems with XXXX XXXX XXXX. It makes no sense that they can not fix this problem. I got a text dated XX/XX/XXXX that told me I am five days late on my payment. I am not and paid according to the terms.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GMA Investments, LLC (KS)

On XX/XX/18 @ XXXX pm I called this number back ( XXXX ) due to 2 messages left requesting a return call to discuss a debt. I spoke to a representative XXXX and he would not inform me what agency he represents. I explained he has a wrong number, and should discontinue these calls, I repeated our phone number twice, then he asked me what our number is. I explained again, they have a wrong number and to cease calling. He then raised his voice and spoke manner that was threatening. I stated I would notify a consumer agency to report this, or an attorney. He stated this conversation was over, and hung up.
Consumer complaint received 2018-09-20
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 am a victim of identity theft. My XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, UT XXXX Mastercard # : XXXX is lost/stolen. All of the transactions on the account is fraudulent and unauthorized. My entire credit limit of {$800.00} was used in a fraudulent manner.
Consumer complaint received 2018-09-20
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: EQUIFAX, INC. (ME)

There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my XXXX and Equifax credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my XXXX and Equifax credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.
Consumer complaint received 2018-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 i contacted Wells Fargo because I was unable to download transactions into my XXXX. per online forums there has been an issue with this since XX/XX/XXXX. it is not XX/XX/XXXX and the issue has not been resolved. 

I refer may clients to Wells Fargo and this is unprofessional on Wells Fargo end. they promise easy XXXX  navigation and are not doing as they promise in their advertisements. They have reached out indicating it has been corrected but it has not. Additinionally, when i call ( which i did on XX/XX/2018 ) they redirect me to XXXX ( owner of XXXX  company ). XXXX then indicates to me that it's a Wells Fargo issue.
Consumer complaint received 2018-06-06
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. (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : Equifax, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2018-09-19
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: CITIBANK, N.A. (FL)

I had a Citi Divident World Master card ending in XXXX for many years issued by Citi Bank XXXX XXXX SD XXXX for several years. Just recieved a letter saying it was closed due to inactivity. That is fine with me, but I had divident dollars they did not send me a check for that. I called the toll free # and spoke to a XXXX who said if the account is closed the divident $ is gone.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX and XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 states that I have the right to privacy.

Additionally, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish information about my account without my written instructions. Which I have not given Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2018-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EMBRACE HOME LOANS (MD)

Our loan was refinanced in the summer of XX/XX/XXXX. Our first payment was due XX/XX/XXXX under the new loan. We tried multiple times to submit our payment using the online portal, but our payment was continuously denied. After troubleshooting, it was determined that the error was on XXXX 's side, as they were using the wrong bank account/routing number, despite us submitting the correct information multiple times. Needless to say, they were unwilling to move our first payment due date to XX/XX/XXXX to compensate for their mistake. Since that time, the payments were applied in a manner not consistent with our expectations, and we fell further and further behind accruing fees and other charges. In XX/XX/XXXX of this year, the lender refused our monthly payment, sending it back to our account. We submitted a package of loss mitigation documents to the lender on XX/XX/XXXX and involved a representative from HUD. The mortgage lender got back to us a month later stating they needed more updated documents, which were submitted. We received another letter saying our package was incomplete, and they wanted even more documentation. Today, XX/XX/XXXX, we received multiple notices stating our home was due for auction XX/XX/XXXX, despite having active loss mitigation activities ongoing.
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NJ)

I went to XXXX XXXX XXXX XXXX XXXX XXXX in late 2017. I paid my co-pay, and was billed an additional amount several months later. I paid this amount. I was sent a bill again the following month, for the same amount. I ignored it, figuring my payment and their bill crossed each other in the mail, and my payment hadn't posted yet. The following month I received another bill. I checked my account and realized they never ran my card, so I sent back the payment stub again, with the same card number. The following month I get another bill, this time {$78.00} higher. They claim they tried to contact me about my original payment not going through ( they didn't ), and that they added a collections fee to my bill .... *AFTER* I paid them, XXXX. Now the original balance of {$110.00} is gone, but I'm getting a {$78.00} invoice from them monthly for the collections fee. In addition, I get TWO DAILY phone calls from their collections agency, harassing me into trying to pay their bogus fee. XXXX XXXX refuses to do anything about it. Capital Accounts is trying to bully me into paying them.
Consumer complaint received 2018-09-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XX/XX/18 called harassing me and my brother threatening to sue me and come to my home and demand payment. Called number they gave me told me I had to pay full amount said I couldn't at this time then rudely told me why I bothered to call
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (NC)

I went thru the drive thru to deposit a check on Tuesday XX/XX/XXXX. When I got my deposit receipt on the back said that since I have had several overdrafts in the past 6 months, my deposit would be hold until XX/XX/XXXX. I was not informed of this before the deposit was made. The deposit was for {$5000.00} because I had several things coming out. They have charged me over {$250.00} in fees for those items hitting without that deposit. It has left me without any money for gas or groceries.
Consumer complaint received 2018-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

i made an electronic payment around XX/XX/XXXX, over 6 weeks ago, of about {$110.00} That payment was removed from my bank account and sent to Navient. I quickly noticed that the payment was never applied to my Navient account, so I started calling my bank and Navient to determine what was going on. After a group phone call between me, a representative from my bank, and a Navient representative it was determined that Navient had misplaced my payment, but my payment was sent to the right address. The representative then stated that the issue should definitely be resolved by my next due date at the latest. I then proceeded to call at a minimum once a week to keep tabs on the progress, and each week I was told something different by each representative, with none of them having any idea about my accounts situation whatsoever. Every representative after the initial one told me that my payment was sent to the wrong address and it would be relocated within the week, and they highly suggested that I use my forbearance until the issue is resolved. One representative even told me that she had expedited my request and that someone had to look at it the next day and that it would be addressed that weekend. I also reached out via email and 5 days after the original email I received a response that was completely useless and in no way answered my original question. My next loan payment was due last week, and I made the payment on time directly through Navient this time, but noticed that the first original payment still had not been applied to my account as promised by Navient. I also tried calling during their normal business hours and was given a runaround by their automated phone system three times.
Consumer complaint received 2018-05-11
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: Ditech Financial LLC (GA)

My XXXX Personal Credit Report contains three inquiries made by XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The stated purposes are for account review and promotion. All of these inquiries were made illegally, I have had a promotional block on my XXXX file since XXXX, a permanent security freeze in place since XXXX, and I have no account with XXXX XXXX XXXX XXXX. XXXX was notified and promptly deleted the inquiries from my file since none were permissible. 

Apparently this company willfully evaded or circumbvented the safety measures I put in place to prevent unauthorized release of my private information.
Consumer complaint received 2018-05-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TX)

Claiming I am in default for {$2300.00}. Which I am not only have a few payment remaining about 9 payments till house is paid off.Threatening foreclosure on house with extra fees on market analysis or appraisal that will be ordered within next few days.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (MI)

The problem involves pre-paid Visa and XXXX issued by U S Bank National Association. They adverstise on the packaging and the cards that you can check your balance and itemized charges on their website XXXX The site seldom if ever is available so you end up having to call to check the card balance. If you want itemized charges they read them to you. 
Takes forever There are thousands of references to this problem if you XXXX it up. 

Don't know if anyone can fix this. but it would be great.
Consumer complaint received 2018-05-11
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. (DE)

Equifax continues to publish a fraudulent address on my credit report that was used to open a fraudulent accounts with XXXX XXXX and XXXX XXXX. 

I never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2018-05-10
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: ALLY FINANCIAL INC. (TX)

We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/18 Ally Financial XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 Please have these inquiries removed as they were not authorized. Dealer provided a letter stated these inquiries were made inadvertently and they should be removed.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

My loan servicer is Navient. I received payment from my employer ( XXXX ) for last year to go to XXXX of my higher interest loans but they spread the payments out to all of my loans. I have called then multiple time ( probably 5 or 6 ) to get this straightened out. I finally got the money applied to the appropriate loan, but now I 'm not sure how much extra interest was added to the loan due to them failing to apply my payments to it. Is there anyway to find out if I was charged extra interest due to their disregard for my payment instructions?
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

Complaint against GE Financial for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against GE Financial regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with GE Financial have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from GE Financial in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to GE Financial. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to GE Financial and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.