davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (MD)

On XX/XX/XXXX I received a payday loan for {$400.00}. Every week thereafter they took payments from my checking account. The initial payment of {$85.00} was taken on XX/XX/XXXX and each Friday after that they took {$60.00} until XX/XX/XXXX. The total that they received in all was {$450.00}. XX/XX/XXXX, I was notified by the company that they were unable to take their payment. I responded on XX/XX/XXXX by letting them know that I was currently unemployed and didn't not have any income at this time and that I would like them to stop attempting to take the funds from my checking account. I asked them to consider the loan settled because they had received {$450.00}, that payday loans are in fact prohibited in the State of Maryland and that there is an interest cap in Maryland of 2.75 %. I also asked them to stop any collections activities. Their representative XXXX XXXX ( XXXX ) replied stating that the automatic ACH has been stopped and that I have a balance of {$960.00}. She offered me a settlement of {$720.00} ( 75 % of my " total balance '' ). She also stated that I should make arrangements to pay the loan off If I didn't they would proceed with collections activities and that I would be responsible for any court fees assessed. I replied and stated that I would not be paying that amount and that I would be bringing this issue to the attention of the FTC and the Maryland Consumer Protection Bureau.
Consumer complaint received 2018-03-27
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)

On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX. The person that hit my car from behind insurance company ( XXXX ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, Equifax and XXXX and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I spoke with XXXX from Navient who stated that they received a completed loan consolidation application from XXXX XXXX on my behalf and I never completed the application online. I only completed FASFA for XX/XX/XXXX-XX/XX/XXXX and then I had to go back in and do one for XX/XX/XXXX-XX/XX/XXXX FASFA application upon doing so in XX/XX/XXXXmy school notified my promisary notes were ready to be signed and I went into my account on Student loans.gov and there was the consolidation application and they support team stated they are not sure as to how that happened by just cancel it and it would not allow me to do so so they said accept it and we will cancel it on our end. I was under the assumption that is what happened on XX/XX/XXXX until I was notified by navient I then told them that was incorrrect and to cancel the application they stated I had to contact student loans customer support i did that and they are ping ponging me back and forth with the same statement. No one wants to accept responsibility and to make matters worse the original consolidation from XX/XX/XXXX was included in my bankruptcy filing on XX/XX/XXXX and not suppose to be touched at all. 
The next issue is the account is wrong I have four loans with all different interest amounts and there should only be two loans the consolidation in the amount of XXXX ( ROUNDED TO THE NEAREST THOUSAND ) and the AMOUNT REQUESTED IN XX/XX/XXXX FOR CURRENT SCHOOL YEAR taken out to cover the last two semesters of schooling.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALCHRO INC. (FL)

Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my XXXX credit report!!!
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (WI)

In XXXX I was using XXXX XXXX XXXX as my internet provider. I repetaly lost service for days and weeks at a time. After many phone calls I was sent to a XXXX XXXX XXXX retention person that offered me a reduced rate for the duration of my service with them. In XXXX my bill significantly increased by over 30 %. I called yet again but was told that the rate the gave me was expired. I asked them to stand by the verbal ( recorded ) offer or cancel my service, they canceled. I later received a bill for over {$250.00} for canceling, late charges and the bill at inflated rate. This debt was sold to a collection agency that constantly contacted me to the point of abuse. I offered {$100.00} to settle and have them remove from my credit but the yelled at me and declined. The debt has know been sold to the third credit company and has negatively effected my credit yet again. I would like this removed without the chance of been submitted to another collection company.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Equifax '' response to XXXX " Equifax has reviewed your complaint and its records regarding your dispute. XXXX account XXXX has been verified correct as reported by the data furnisher. The open date is XXXX/XXXX/2015, the closed date is XX/XX/2015 and the months reviewed is XXXX. No payment history was recorded by the data furnisher for XX/XX/XXXX through XX/XX/2015. Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to their evaluation of your credit score. 

The XXXX- Closed Tradeline, was reporting the pay history accurately, despite your response. Please see attached, my credit report from EQ - XX/XX/2015. 
EQ actually stored pay history, please see Pay Pal attachment, which was attached to the original complaint XXXX EQ updated this account and caused issues - with the Pay History. 

THE ACTIVITY DESIGNATION - says NA, and should not. This account is PAID/CLOSED. 
Because this account is showing in this manner - the PAY HISTORY is erroneously populated with NR, when XXXX has n't reported on this record in more than a year. 

The account, is now Incomplete - and inaccurate. 

Please put the account history back to the state of which the furnisher provided it to you, PAID? CLOSED its status - or DELETE the account..
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (KS)

Security credit services was put on Experian right after deleted from XXXX. Found this out when my score dropped. Tried to dispute but instead of contacting the company direct they send a third party company out to check on disputes and the item never gets removed proper. I have went through this before with Experian.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Current Case No : CFPB XXXX. Your agency contacted XXXX and XXXX ( phone XXXX ) responded by stopping the daily harassing phone calls and " approved the fraud claim ''. The unauthorized charges were reversed. However she states that she will continue to contact me by mail and bill me for " service fees ''. My credit score of XXXX dropped to XXXX when she reported the erroneous credit card charges to Equifax credit bureau as well as XXXX and XXXX. She is not willing to correct their mistakes. I contacted all of the credit bureaus as well as FCC. 
Equifax states that they can not change it without the cooperation of XXXX even though I sent them the apology letter and documentation of charges being reversed as theft. My bank ( XXXX ) alerted me to the credit report or I would have never known about the negative false report. Your help again would be appreciated. 

XXXX
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

I am behind on my mortgage and have been since XX/XX/XXXX. This was as a result of a reduction in income. I got back on my feet and contacted CitiMortgage in XXXX attempting to set up a payment and was advised they could not accept my payments as I was in pre-foreclosure. I stayed in communication with XXXX, which is the 1st time homeowners program which I purchased my home through in an effort to obtain modification assistance. I contacted the Citi mortgage attorney in XXXX to find out the payoff amount to bring me current and status of the foreclosure and was advised no sale date was on the property at the time as it was early in the process. I submitted requested paperwork to XXXX in XXXX. This information was being sent over to Citi, but no responses were being received. In the meantime, the foreclosure clock remained ticking despite Citi Mortgage 's lack of responsiveness. My Homeowners specialist has changed at least 3 times. I 'm attaching letters which show proof of this. In the meantime, no one was working my case, making it appear that I was not interested in alternatives to resolve my outstanding loan balance. I believe it changed more ; however I only have proof of 3 changes available from my inbox. I finally decided to deal with CitiMortgage direct, since XXXX seemed to be unable to reach anyone and spoke to XXXX, my most recently assigned Homeowners specialist, back around XXXX. He confirmed my suspicions that NO ONE had been working my case. XXXX committed to staying in contact with me concerning my loan and has done such. Though I am working directly with Citi Mortgage, XXXX still checks in on the progress of my loan as they are Homeowners Advocates. I was contacted on XX/XX/XXXX and advised that there was a Sale date on my home for XX/XX/XXXX. This was concerning because I talked to XXXX earlier that day and never received notice. It is even more disturbing because per the email, text, and written letter I received from Citi " Foreclosure activity will cease while your complete application is being evaluated for hardship assistance ''. I contacted Citi on XXXX and spoke to XXXX and he advised because the foreclosure date is so far out, foreclosure activity will resume. This is a very deceptive practice and completely contradicts what CitiMortgage themselves sent to me in writing. Also, I believe XXXX had to payout a lawsuit concerning the same Dual tracking practices
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

XX/XX/XXXX a online fraudulent charge of {$1900.00} was on my Citibank credit card, I called the credit card company Citibank and on XX/XX/XXXX a refund was given for the fraud charge. I have the card card in my possession. In XX/XX/XXXX I noticed the charge back on my credit card. I contacted the credit card company Citibank In XXXX, they said they sent out a form that was supposed to be filled out & mail back. I never received the form in the mail & I never received a phone call to let me know about the situation. I was told that the fraud charge would be looked into & the charge should be refunded. XX/XX/XXXX I called back Citibank and after several customer service representatives came in touch with XXXX XXXX a supervisor. He stated that the only thing he could do was to send out an email to security dept and wait 7 to 10 days for feedback, He would not let me contact somebody in that department & he said he could not contact somebody to talk to either to get fraud situation resolved, he could only send out an email to look into the fraud further. On XX/XX/XXXX I filed a police report with local police dept, On XX/XX/XXXX I filed a fraud report to the Federal Trade Commission. I also sent a copy of the report to Citibank 's executive branch by email due to the bad customer service. ( XXXX XXXX Senior Vice President Customer Experience, XXXX XXXXXXXX XXXX Chief Executive Officer, North America, Chief Executive Officer, Citibank, Chief Executive XXXX XXXX XXXX Chief Executive Officer. I have received a voicemail from their executive response unit personnel XXXX, voicemail said she will follow up on my issue in writing or by a phone call. As of XX/XX/XXXX after leaving a voicemail and calling several times she has not given me a response back. On XX/XX/XXXX I again contacted the credit card company after the charge was still on my account. Customer service personnel XXXX talked to security dept & stated back to me that they will not look into the Fraud & will not refund the fraud charge.

The fraud information that Citibank & I have shows the fraud purchase from somebody with NOT my name, the fraud purchase shows an email address that is NOT my email address. The Fraud package has a XXXX tracking number. XXXX shows it was NEVER delivered to my address, but delivered to a XXXX access point at a store. The fraudulent person never picked up the package so XXXX sent the package back to the merchant, XXXX shows proof of delivery with signature of the package by the merchant " XXXX '' at their dock. I have also filed a credit fraud alert on my credit report. I have also filed fraud on the Citibank credit card with the credit bureaus and waiting a response back from Citibank. Today XX/XX/XXXX I am filing a consumer complaint.
Consumer complaint received 2018-03-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

PNC Bank originally started my loan process in XXXX of 2018 ... after delays and more delays, I sought help from another lender who within 10 days has already approved my loan ... the problem is PNC will not release the VA appraisal, which I have paid for, through the VA portal to my new lender and we have requested they do so on numerous occasions. ( we've sent them my new lenders VA number to be able to transfer the appraisal several times too ). For the past week they have continued to lie to me stating that they have released it in the VA portal, but when my new lender checks the VA portal it is still not there. 

PLEASE HELP. I AM IN RISK OF LOSING MY EARNEST MONEY DEPOSIT AND MY NEW HOME.
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

Hi CFPB staff, My student loans are being serviced by EdFinancial. On XX/XX/2023, I received an email from them informing me that on XX/XX/2023, they would begin moving my loan to a new student loan servicing system for the purposes of better serving me, and that two weeks after the transfer begins, I will need to register for a new account online to access my loans. Then, as of XX/XX/2023, they sent an updated email stating that there was a slight change in the original transfer date of XX/XX/2023, and that my loans would be transferred at a later date. On XX/XX/2023, I received an updated email from them stating that effective XX/XX/2023, they would begin moving my loan to a new student loan servicing system to, once again, better serve me, and, once again, that XXXX weeks after the transfer begins, I will need to register for a new account online to access my loans. Finally, on XX/XX/2023, I received an email stating that there has been a slight delay in the original estimated transfer date of my loans to the new servicing system, and that Edfinancial is working to ensure my information is transferred over as quickly as possible. 

It is now XX/XX/2023, over two weeks after EdFinancial 's last correspondence regarding the status of my account, and almost 3 months to the date of their first email. As you know, student loan interest begins accruing again on XX/XX/XXXX, now a week away, and I have not heard any updates from EdFinancial regarding the status of my account. When I access my old account on EdFinancial, the records are not accurate as it shows I have no loan balance and does not include any history of my prior payments. I have tried calling EdFinancial during working business hours, but am met with long hold times of over XXXX minutes. There are numerous threads on websites such as Reddit.com of other student loan borrowers in the same position due to EdFinancial 's lack of communication and transparency. 

I am writing this complaint because I am worried that, given student loan interest begins accruing in one week, and given EdFinancial 's previous statements that I would need to wait two weeks after the account transfer to make a new account, that when I receive a new account with EdFinancial, I will be unable to access my loan accounts and submit payments to my loans before the interest begins accruing. I am worried that due to EdFinancial 's lack of adequate communication, myself and other student loan borrowers will be adversely affected when the XX/XX/XXXX deadline arrives. It is absolutely unacceptable for a company that holds our student loans to have done this migration to a new system, technical difficulties abound, right before student loan payments were to resume- they've had three years! 

If needed, I am happy to provide copies of all correspondence as well. 

Any help would be greatly appreciated. Thank You.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: First Technology Federal Credit Union (NY)

To Whom it May Concern : I am very concerned that First Tech Federal Credit Union have violated the Fair Credit Reporting Act by placing a hard inquiry on my XXXX credit report without my consent. The FCRA permissible purpose provisions specify that you must document your reasons as well as my consent for placing a hard inquiry on my report or remove the inquiry. Please have First Tech Federal Credit Union provide documentation of my consent for any inquiries placed on my credit report or remove them immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (MS)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-25
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)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit Reporting act Chase Account XXXX XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a-Definitions ; rules of construction-Exclusions.

Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.