davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
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. (MS)

Equifax has been deleting and reinserting information in my credit report that causes my credit score to plummet.They have reinserted information without notifying me within the five days that are allowed. They also reinserted information that had been resolved leaving me to think that they actually did not investigate my complaints. On XX/XX/XXXX, I mailed them a reinsertion of previous deleted information letter, and they disputed the things listed in the letter instead of addressing my concerns.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I took my car for transmission to a mechanic by the name of XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( COPY ATTACHED ). they told me they can fix the problem on my car and they give an invoice in the amount of XXXX which i had paid for it with my chase credit card knowing if they could not do the job and having difficulty with this company i can contact chase and have them take care of it for me. week after XXXX XXXX XXXX XXXX XXXX contacted me and notified me my car is ready and i can go pick up my car. immediately after i picked up my car it broke down and we had to towed the car to them, few days later i got a phone call that my car is ready the same thing happened my car was not working and had to towed the car to them, again and it happened again after picked up my car for the third time which i decided this time to take it to another mechanic called XXXX XXXX XXXX and this people charged me {$2400.00} and they fixed up my car which i do not have any problem with it. I contacted the XXXX XXXX XXXX XXXX and asked them for a refund and they refused to refund my money back but they told me bring the car back and we fix it and i told them no thanks. Chase send me a paper to fill out to get my account credited after i filled up the paper works they told me they can not credit my account.
Consumer complaint received 2018-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (NY)

I applied for a loan through Prosper after being pre approved via XXXX XXXX. I began the application, but decided to hold off. They sent me numerous emails asking me to finish the application. 

I received one email per day starting on XX/XX/XXXX. On XX/XX/XXXX I decided to take the offer. They required one piece of documentation after the application and funds were approved ; proof of income. 

However, their process of acquiring that proof appears to be either arbitrary, or nefarious. The only option given is to submit a pay stub. My employer, however, does not provide me with that. He just writes me a check. I am a XXXX XXXX. So, I submitted the most recent check I had. 

I received a phone call today, XX/XX/XXXX, stating that they needed a pay stub, not a check. I asked what information they would need since my employer does not provide a pay stub. I found it irrelevant how the information was given, provided that they had the information. However, the woman made it clear she was not going to give anything anyway and that I had to submit a pay stub and they would not accept anything else. 

So, I submitted a pay stub with the following information : Employer name, address, tax ID #, and phone number ; my social security number, address, phone number ; the check number and paid date ; federal, state, local, social security and XXXX withholdings ; gross and net pay. 

She denied the document citing " the information was inappropriate, '' and not clarifying beyond that. I called back and talked to another individual. When I pressed on why they are so coy about what information they require of me to prove I have an income she said, " if we tell you what information we need, then you'll just give us that, '' as if that is nefarious and an individual has to guess what they're looking for or lose out on the loan. 

If they need information to prove my income, then they need to let me know what that information is beyond a " pay stub, '' since I provided that and they deemed it " inappropriate. '' The agent appears to want the information in some arbitrary format that nobody at Prosper is willing to disclose. The institution needs to simply review and verify what I have given them to see that I do, in fact, have an income. Their unwillingness to do so, I believe, is discriminatory and intentionally deceptive.
Consumer complaint received 2018-05-07
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: CITIBANK, N.A. (VA)

I reached out to XXXX 's on 2 occasions asking them to send me a copy of my signature of agreement with their company or any viable evidence. XXXX 's response to me asking my to send them the information and a full account number of the item that the credit bureau is reporting as they have no knowledge of the reporting, so being that I had disputed the 3 major credit reporting bureau on numerous time and it been a sea saw they deleted the account verified the account back & forward so I requested the method of verification from the credit company XXXX   & XXXX replied that they only send the disputes to the company. Now after going back and forward with XXXX 's they have sent me a generated bill with my name and account number but never sent a copy of a signed agreement or any viable evidence. 

PS : I'm including letter of communication
Consumer complaint received 2018-04-25
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 — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I have 2 secured credit cards with XXXX XXXX one for {$500.00} and one for {$300.00}. For the past 10 months they have only been reporting one credit card to XXXX each month making it seem as if one month I have a credit limit increase and the next month a credit limit decrease. When it should be showing on my credit report as 2 different accounts as I have 2 credit cards. I contacted XXXX XXXX and they mailed me a letter stating corrections had been made.. then again they did not  report the next month it said credit limit decrease. I contact customer service spoke with a representative the. A supervisor XXXX explained my situation they said they would forward information the the credit card team In the back office to have information corrected called again a 7 days later asked for a manager I got XXXX someone higher than the supervisor. She said they were still working on it 7 days later I called and got a representive named XXXX I asked to speak to someone higher she said I didnt need to speak to someone higher because XXXX and XXXX were handling it. She got XXXX on the phone and I asked for a director or VP someone higher than her. She told me XXXX would call me which he never did.. I called again the next day and asked for XXXX I told her that XXXX never called me and that she needed to be sure to let him know that this is a serious SOX AUDIT COMPLIANCE  issue that if I report them to the correct people the could be fined. XXXX called me immediately and said that he had found the issue and that he was working on it.. the next day the office of the OCEO contacted me her name was XXXX stated that she was taken over it has been 9 days and within the 9 days they reported incorrect information again making it look like a credit limit increase ... Im still waiting for them to call me back with a resolution
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

As of XX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, Equifax and XXXX. XXXX did remove the liens from my credit file. However, Equifax and XXXX only verified the records.

I've contacted Equifax customer service and was told that they use a third party to obtain and verify
public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my XXXX XXXX information listed on my Equifax report. I received a letter dated XX/XX/XXXX stating the that information was deleted from my record. However, Equifax never updated there system and is still reporting this information as of XX/XX/XXXX. 

I also contacted XXXX customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed. 

I have attached copies of all three tax executions and the letter from XXXX for your review.
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp (FL)

Today, I am at work, unable to answer my personal phone. I see an alert that a phone number XXXX has called and left a message. Immediately after I get a phone call at my job from the same number. I answer my desk phone, the caller identifies himself as XXXX XXXX, does not give a company name, and will not answer me when I repeatedly ask what this is regarding. He finally says it is a personal matter, I reply than this is not the place to contact me and end the call. He then dials my mother and sister. My sister calls me upset, saying a man named XXXX XXXX is looking for me, he sounds very militant, would not tell her why he was calling, and is adamant that it would be in my best interest to contact him. He did give her a company name of Alpha Recovery and a different number than what he is calling from of XXXX.
Consumer complaint received 2018-04-24
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: Experian Information Solutions Inc. (NY)

These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LISTED TWICE NOWXXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

On XX/XX/2018 I opened up a XXXX XXXX XXXX card because the associate said I would get 25 % off purchases made that day and the next day. I was looking for a disclosure about the 25 % ( because I thought it was 20 % ) and the associate said they didnt have any updated ones so I never got one. I just received my first statement in which the balance is {$1000.00} ( my actual balance is {$1100.00} because I purchased items online that night, so the complaint is for the full amount of {$1100.00} ). When looking at my purchases, I did not receive the 25 % off of everything like I was told. I called customer service and they told me the 25 % off was up to {$100.00}. I was never told this and would not have opened the card. The customer service rep transferred me to a manager at the water tower XXXX in XXXX where I opened the card and she told me she was going to contact the manager of the associate and call me back, but I still havent received a call back.
Consumer complaint received 2018-02-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc (NC)

I PURCHASED A NEW HARLEY DAVIDSON SEVERAL YEARS BACK. I MADE THE PAYMENTS ON TIME. IN MORE RECENT YEARS I HAD A FEW ISSUES FINANCIALLY THAT CAUSED ME TO GO OFF MY PAYMENT TRACK. I LOST MY JOB TWICE AND TRIED TO CATCH UP AS QUICKLY AS I COULD. BUT MY HOLE WAS DUG TOO DEEP. I FELL BEHIND WITH XXXX XXXX XXXX BY 90 DAYS. I CONTACTED THEM VERY FREQUENTLY AS I TOLD THEM I WAS MAKING EVERY EFFORT TO PAY THEM OR I PAID WHAT I COULD BUT IT WOULD NOT TAKE ME OUT OF 90 DAYS. THEN I RECIEVED MY TAX RETURN AND PAID THE BALANCE IN FULL AND ASKED IF THEY COULD REMOVE THE NEGATIVE MARKS OFF OF MY REPORT SINCE I WAS PAYING IN FULL. I WAS TOLD NO THEY WERE WELL WITHIN THEIR RIGHT TO REPORT ON ME. IT IS FOR THIS REASON I WILL NEVER BUY ONE OF THEIR VEHICLES AGAIN. I WENT THROUGH A HARDSHIP AND FOUND A WAY TO PAY IN FULL WHAT I OWED, THEN I ASK FOR HELP AND THEY SPIT IN MY FACE. I JUST WANT MY PAID IN FULL ACCOUNT REMOVED OFF OF MY CREDIT REPORT. MYSELF AND LEGAL TEAM HAS NOT HAD ANY RESULTS. I WILL ATTACH A COPY OF THE CREDIT REPORT SHOWING THE ACCOUNT AND A LETTER I RECENTLY RECIEVED BACK FROM THEM ABOUT MY DISPUTE. WHEN I AND THE LEGAL TEAM DISPUTED THE ISSUE I SENT A CERTIFIED MAIL LETTER CONTAINING MY REQUEST AS WELL AS A COPY OF THE CREDIT AGENCIES REPORTING THE NEGATIVE INFORMATION. ON THE LETTER HAD ALL MY PERSONAL INFORMATION. HOWEVER THEY SEND A LETTER BACK STATING THAT THEY DID NOT HAVE ENOUGH INFORMATION FOR A CLAIM. THIS IS HOW THEY KEEP AVIODING US. I AM JUST ASKING FOR FAIR TREATMENT FROM A PAID OFF CREDITOR. IT SHOULD NO LONGER BE AN ISSUE FOR THEM TO REPORT ON ME THEY HAVE BEEN PAID. I HOPE YOUR ORGANIZATION CAN PLEASE HELP ME.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bank and its affiliate Belk, gave me misleading information in the credit application process, just two months after approving me for a credit limit of just {$300.00}, I guess this was to benefit from interest charges from me. I then became unworthy of doing business with them as they have sent a letter in the mail stating my creditworthiness is not up to their standard and they have reduced my credit line to {$190.00}. Why did they not tell me in the first beginning i was not WORTHY of doing business with them, I feel unfairly treated, abused and that they have deceptively drawn me into their scheme of consistently treating consumers unfairly. They have monopolized the retail market and if you don't have the worthiness they are looking for is that how they treat customers? Consumers who actively pay their credit statements and stay within guidelines should not be put to shame as how they have treated me, it's as if they are telling me we don't want your business please leave. I have seen numerous complaints about their business practices and it seems as if they consistently oppose the Dodd-Frank law with the UDAAP activities they offer to consumers everyday.
Consumer complaint received 2018-04-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

2nd Mortgage is with HFC, subsid of HSBC. The company, when calling the XXXX number, reports that the divisions, centers, resources in the US have closed and that there was a notification of who the new owners were of the mortgage. For years they have reportedly tried to contact me, via snail mail. electronic services have never worked, printed seemed like a better plan. NOW, need the XX/XX/2017 Taxes paid and the company is no longer in the US. More over, the payment is on autodraft, no contact details are available and if there were, it would only be to a processing center, not the actual company behind it, since they likely process payments for lots of company 's. Worse now, this 100 % inhibits any plans or change with the property, until the loan is paid off OR bought out by a refi to a company we CAN talk to. HELP, THERE is LITERALLY NOTHING THAT CAN BE DONE??? REALLY?? I saw mention of a class action lawsuit against HFC, for reckless, malicious intent, interest rates, unbelieveable behavior.
Consumer complaint received 2018-04-25
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. (PA)

XX/XX/2015 XXXX has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

I switched cable companies end of XX/XX/XXXX due to XXXX not being able to accommodate my situation and provide a better package deal. I explained that my husband had recently lost his job and I needed to find a lesser package deal. I had XXXX ( showing as XXXX XXXX ) for 5 or 6 years and never missed a payment! I would have received a bill in XX/XX/XXXX and they sent me to collections in XX/XX/XXXX. How? That is unfair. I did not receive proper notice that I was being sent to collections! They didnt even give me ample time to pay the bill! They were unfair due to me switching companies. I feel that was their agenda. Its abusive to affect my credit without properly notifying me and allowing ample time for me to pay the debt. I contacted the collection company, Waypoint, and made 2 payments. Then, they hit my credit! This all happened within a matter of a couple months!! I switched service end of XX/XX/XXXX, how am I in collections in XX/XX/XXXX? I contacted the company and the collection company and kindly asked them to remove the credit hit and I would gladly pay the {$90.00}. They refused. I hear horror stories about these cable companies, however, I was always a great paying customer for years! They sure wont do anything to keep your business, but if you decide to leave for better deals, this is how they will get you! Unbelievable.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX del XXXX everything else on there is incorrect
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they were the debt collector assigned by XXXX XXXX to collect an alleged debt owed. I sent back a letter by certified mail requesting validation of the debt and no response was ever received. On XX/XX/XXXX I received a letter from a different company Resurgent Capital Services stating they were the debt collector for XXXX XXXX  on the same alleged debt, I again sent a letter by certified mail requesting validation of the debt and to date have not gotten a response. 2 letters were received by 2 different debt collection agencies within less then 30 days attempting to collect on the same debt, both of these agencies stated they were debt collectors for XXXX XXXX. I've reported XXXX XXXX to the Nevada State Attorney Generals office for their debt collection practices.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

Navient continues to report false information about my student loans. I have repeatedly asked Navient to stop reporting fraudulent and incorrect information to the Credit Bureau 's about my student loans which they refuse to stop reporting. I have now reported this to the Dept of Ed and also filed a Fraudulent Claim also with the Dept. of Ed. I have also contacted the Consumer Protection agency regarding this Fraudulent reporting. I have also now found further evidence about their fraudulent activities regarding the handling of student loans which I am sure I also qualify for : In itslawsuitandpress release, the CFPB alleges that, among other allegations, Navient " systematically and illegally [ failed ] borrowers at every stage of repayment, '' including : created obstacles to repayment by providing bad information ; processed payments incorrectly ; failed to act when borrowers complained ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and harmed the credit of XXXX borrowers, including severely injured veterans The CFPB also alleges that Navient improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. " For years, Navient failed consumers who counted on the company to help give them a fair chance to pay back their student loans, '' said CFPB Director XXXX in a statement. " Atevery stage of repayment, Navient chose to shortcut and deceive consumers to save on operating costs. Too many borrowers paid more for their loans because Navient illegally cheated them and today 's action seeks to hold them accountable. '' In astatement, Navient denied all allegations and said the lawsuit was politically motivated. 
I have since sent Navient another updated and notorized Dept. of Ed/Navient Fraud document mailed today. XXXX.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KS)

There is an account that I never opened spoke with the company which is XXXX XXXX and confirmed this should not be listed on my credit file and also Equifax has inaccurate personal information, there response to my dispute states XXXX XXXX which is NOT me my name is XXXX XXXX. Please help I have disputed with no changes on anything. I can not make a financial move I need to because of the inaccurate items