davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I notified Navient that I was in the process of filing a chapter XXXX bankruptcy in XX/XX/XXXX. They were fully aware of my hardship and purportedly initiated a forbearance on my account. My Bankruptcy was filed in XX/XX/XXXXand discharged in XX/XX/XXXX. Navient continued to mark me late through the bankruptcy period. What is the purpose of a bankruptcy when a company like Navient can destroy your credit worthiness regardless of your bankruptcy protection. Its absolutely amazing that a homeowner can file bankruptcy and have his XXXX XXXX dollar home foreclosed upon, the government eats half that loan in a hypothetical situation and that homeowner goes on to buy a new home in two years. With FEDERAL school loans your are held XXXX for the rest of your life. Make no mistake about it the fed gives Navient their power! It's my understanding 1 in 4 or approximately 11 million " students '' loans are in default. What does our government think is going to happen to those 11 million people in default. Probably won't be able to rebuild their lives, get a job if their credit score plays a role and may very well become the responsibility of the state in one way or another. Should I go seek the local loan shark and get these people out of my life?
Consumer complaint received 2018-01-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

XXXX XXXX XXXX has continued to provide false information on my credit files. XXXX XXXX and Experian  have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by XXXX XXXX and Experian. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX  letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint made to Transunion on XX/XX/XXXX for derogatory account which they say is not on my credit report. I tried to file a dispute and they said it wasn't on my report, which in turn, kicked me out of their system and did not allow me to file a complaint in their system. In addition, this lien I m speaking on was taken off of all other reporting agencies, reporting only on Transunion 's credit report. The lien was released and does no longer belong on my credit report.

Recorder of Deeds Lien Status -Released REF # XXXX  Amount -XXXX   Transunion last reported this derogatory account on XX/XX/XXXX even with my complaint attempted to be filed on XX/XX/XXXX. It is off all other reporting agencies expect this one. ( i.e., XXXX & XXXX )
Consumer complaint received 2018-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jacobs, Marsh LLC (TX)

A company name XXXX XXXX XXXX XXXX, claiming to be working on the behalf of Jacobs Marsh, LLC has been calling and leaving threatening messages to me and to my wife about credit card debt that I cannot verify is actually owned by this firm. The original debt was owned by XXXX but I have no idea who this firm is and if they are legitimately authorized to collect this debt. I asked them to provide a validation of debt and they refused.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne credit card is refusing to close my account. I closed it by phone with them on XX/XX/XXXX. I did everything I was told to do in order to pay the account in full at that time. I continue to get billed. They continue to add more and more charges. They have blocked my efforts to contact them via email. I mailed them letters to stop.

After my last attempt to resolve this with the Co, I received a letter asking that I " call '' to solve my problem. However, knowing that a phone call got me nowhere in XX/XX/XXXX I wrote this letter in response : XX/XX/XXXX Capital One : This correspondence is In reply to your letter dated XX/XX/XXXX, that I received on XX/XX/XXXX I have enclosed a copy for your reference.

I decline to " call '', as you have requested. I am in process of pursuing complaints against you with consumer protection agencies which protect my rights.

I can see no reason that a phone call to you would make any difference at this point. All contact I am having with you is by email, hard copy mail and through these agencies.

This allows me to have a record of your practices No phone call would afford me any advantage.

If you do not wish to do the right thing as regards my original complaint. I fully expect no phone call between us would change that.

I demand you close this account. Retract any and all charges you have placed on the account after the closed dateXX/XX/XXXX, and honor the information I was given by your customer service representative on the phone on the above date, when I was given the balance to be paid in full at close of this account.

I am not letting this matter go. I will fight you on this until I get the resolution I deserve.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

I entered in to a Trial modification agreement with XXXX XXXX XXXX   XX/XX/XXXX the 3 monthly payments of {$1600.00} were paid in full. My mortgage servicer changed to XXXX XXXX during the modification trial period. I spoke with XXXX XXXX XXXX  several times in regards to the property foreclosure sale since the modification agreement was with them and ask for their assistance. They refused to assist me and referred me back to Rushmore. Rushmore will not and did not honor the modification agreement and now they have a property foreclosure sale set for my home XX/XX/XXXX.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC (GA)

I am currently trying to purchase a house. I have been dealing with this issue for several years now. The original company was originally XXXX XXXX XXXX XXXX XXXX ( XXXX ) representing XXXX XXXX who bought a debt from XXXX XXXX. Since then the accounts of XXXX have been taken over by Cooling and Winter after XXXX went out of business. Cooling and Winter were the business partners of XXXX XXXX XXXX. 

In 2013 I received notice from the XXXX County, Ga court house to come and pick up a judgment against me. I had never received anything in the mail prior too or any phone calls from this company notifying me that I owed a debt, or any information on how to dispute the debt. Because there was a judgment against me, and because I had never been in any trouble, I assumed bc this company used the court system that it was a legitimate claim. I contacted XXXX and spoke with a representative to schedule payment arrangements. The representative never told me which company had the original account against me or what my options were at that time. I made several payments to this company, but my balance was not decreasing, so I asked the representative about it and she gave me something about having to pay interest on the account and told me that she would connect with me an attorney within there company to explain. She also said some other things, that was not adding up, so I begin researching the company on the internet, and realized that something was not right. After further research and review of my credit I realized that I have never had any accounts with XXXX or XXXX XXXX so I stop paying them. XXXX XXXX XXXX never reported any information to the XXXX County, GA courthouse of payments that I was making to them. 

There is currently a court judgment against me that I am disputing. I have also filed a dispute with Cooling and Winter. The representative at Cooling and Winter told me that in order for it to be settled, I would have to prove that I never owned the account. XXXX XXXX XXXX violated several consumer practices when filing and attempting to collect on this debt. I do not owe this debt and this is fraudulent.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have just been reading about the HSBC Advance Checking Maintenance Fees ( that have been deemed illegal in some countries ) and checked my own checking account to discover they have been charging me $ XXXXmonth for years. I never use this account ( other than for transferring money between US and XXXX HSBC accounts ) and they have charged me an incredible amount of money. The search function on their website only goes back as far as 2016. But I think these charges go much further back. 

This account was mis-sold to me. I had no idea I would be charged a fee for going below a certain amount. If may have been buried in the Terms and Conditions but I was not properly made aware of that. 

I have other Checking Accounts with XXXX XXXX and XXXX, which do not charge me a fee. 

I feel very XXXX  for not checking my statements but I have also not been told before/during the opening of this account that I would need to pay a fee ( for literally no service ). 

These " packaged accounts '' have been deemed unethical in many other countries : XXXX XXXX XXXX I am happy to adhere to the policies of the account in the future ( now that I have been informed of them ) but this taking thousands of dollars from my account is not acceptable.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XXXX XXXX 2018 Experian has on my credit report your statement in which I did not say in XXXX as that's there words. Experian has yet to provide proof of a charge off by XXXX XXXX showing {$770.00} written off I have attach a letter from XXXX XXXX showing there was or no money owed by XXXX XXXX. Experian has on my credit file {$770.00} written off with no documented proof from XXXX XXXX showing this balance or a charge off. MY NEXT ISSUE WILL BE LEGAL ACTION ON Experian FOR NO PROOF OR DOCUMENTS PROVEN WHATS STATED BY EXPERAIN.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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 XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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. (CA)

XXXX XXXX  XXXX showing late payments 4 times XXXX XXXX XXXX XXXX in XXXX not accurate XXXX  XXXX showing late payments 2 times XXXX XXXX XXXX XXXX  showing late payment XXXX XXXX
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (MA)

ADDITIONAL COMMENTS Prosper cancelled my automatic payment method due to closing my account do to the company lowering my credit limit due to my credit score lowering following a purchase of a vehicle. A payment plan with automatic payments was set up with their representative which has been confirmed with 3 representatives for a payment of each month until XXXX of 2025 until the balance is paid in full. My payments are being issued as late because the full balance isnt paid off and a payment plan has been set up with THEIR REPRESENTATIVE as I do not have access to set up autopay any longer unless it is the full balance due to closing the account. Their representative made two automatic payments in XXXX that was collected and a scheduled a payment for each month of {$200.00} until XXXX of 2025 so the balance can be paid in full which is scheduled automatically to come from my bank.If my balance was reported to a collection agency I would like the documents in which I signed allowing my personal information to be transferred to a 3rd party. This company did not note the payment plan that was set up with their representative that was made due to a sudden lowering of credit limit as it is not feasible to pay full amount immediately. If two payment were made in XXXX how is my account 60 days past due? How
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Consumer complaint received 2024-11-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

My Synchrony Bank, NA certificate of deposit at 5.1 % was to mature on XXXX XXXX, 2024 with a 10 day grace period. I called the bank on XX/XX/year>2024 to determine whether to roll the CD to a 4.1 % CD for another 12 months or move the funds. I decided to move the funds to the same bank 's high yield ( 4.3 % ) savings account. The bank reps told me that it would take between 2-5 business days to " close the account '' and another 2-5 business days to " move the funds '' to the same bank 's savings account. I asked where the funds would reside during those business days and was told that the funds would stay in the CD until credited to the savings account but would receive interest at the new 4.1 % rate, even though it was in the same CD at 5.1 % during the grace period. I asked why it would take up to 10 business days to move funds within the same financial institution when a brokerage account could move the funds the same day. The reason given was that that is " bank policy. '' It is ridiculous that the bank should have the use of my funds at the lower rate ( 4.1 % ) when I should be earning either the current CD rate ( 5.1 % ) or at least the savings rate ( 4.3 % ) on the business day after the maturity date of the current CD. While XXXX basis points may seem nominal, the bank does this to everyone and that adds up to significant interest lost to its customers.
Consumer complaint received 2024-11-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (NY)

This complaint is in continuation of my previous complaint id # XXXX. 
The response from Macy 's was to contact XXXX Customer Service at XXXX for additional assistance. However, XXXX has no such customer service number. Even if we try a different number to reach XXXX, they have no information about the Macy 's gift card. 
This is a big SCAM by Macy 's and should be stopped.
Consumer complaint received 2023-07-10
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (AR)

Couple weeks back I filed a dispute and was told to wait 20 days which i didnt understand when dispute usually take 10 days to investigate and was told to wait 20 and it already been the 17th business day and yet havent received my provisional credit
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NV)

I was charged interest prematurely on my account, the payment is due in XXXX or XXXX weeks and the billing cycle just closed on the XXXX of this month. The customer service persons XXXX and XXXX the supervisor were stating it was coming from the previous statement balance of XXXX which is untrue since I paid it in full, on time. My current statement clearly stated the interest is for XXXX. I havent been given the opportunity to actually pay this so I dont get charged interest because they already included it off the bat.
Consumer complaint received 2024-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/year>, I logged into my Bank of America XXXX portal and noticed that XXXX of my credit cards has been shut down. I havent received any messages or notifications electronically nor via mail to explain this sudden change. I call BoA today XX/XX/year> at XXXX XXXX  to get some insight on this and come to find out that both of my credit cards have been closed down. I am absolutely shocked that this happened and can not think of any reason why given that I was just able to use my credit cards a few days ago, paid off my balances, and have always been in good standing with the bank for close to a decade. The representative refuses to give me an answer despite me pleading multiple times for some kind of insight. She instructs me to call XXXX because their decisions to close is dependent on the reports from the credit bureaus. I call XXXX immediately for some answers. Together we analyze my report and find absolutely nothing wrong with my credit- nor any changes that would instigate closing down my cards. 

XXXX of the XXXX cards that got wrongfully closed is my longest credit card. Ive been a customer of BoA for 9 years, close to 10 years. I got my very first credit card from them and have worked really hard to build up a good XXXX XXXX and history. To have this hard work just disappear overnight with no explanation- and from a bank I have such a longstanding relationship with - is absolutely despicable. Ive been a preferred client with the BoA for a number of years given my loyalty and good financial standing with the bank. 

Regardless, I believe these shutdowns were done in error and XXXX imploring CFPB to help facilitate appropriate communications between BoA and me to correct this error and reinstate my credit history.