davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MECHANICS BANK (TX)

XXXX XXXX ( Mechanics Bank XXXX XXXX Nevada financed the XXXX XXXX XXXX XXXX XXXX  I bought in XX/XX/XXXX. I am XXXX XXXX and a XXXX Veteran who has seen my work slow down because of the COVID 19 Virus, yet XXXX XXXX continually harassers me with phone calls every day, late charges which exceed 10 % of the amount due and charges for GAP Insurance. 
I have told the callers repeatedly I have requested a due date change, they keep calling, I sent an email to XXXX XXXX detailing the issue, they continue to call several times a day. 
I tell them I will Only speak with a Supervisor, a XXXX who Is Not a Supervisor then calls within the hour. This behavior is unwarranted and causing Me XXXX  and XXXX  I Do Not Need or Do I deserve.
Consumer complaint received 2018-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... 

Link to full text of Citigroup policy XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NE)

I have been dealing with XXXX XXXX/Navient for years and consistently receive the " run around '' regarding my payment plan. I have not missed a payment, but am constantly misinformed and receive multiple versions with every phone call. I will attach multiple images will explain the communication process with Navient. I am holding 5 letters, all dated within a week of each other, stating that I owe anywhere from {$0.00} to over {$400.00} ; one is even from a collection agency. This is a common situation with them. I am at a loss as to how to fight them and am confident I'm being charge late fees that do not apply, etc. Thank you for your time and I appreciate any help you may be able to provide.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, XXXX XXXX, and equifax. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}
Consumer complaint received 2018-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Service (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > ACTION COLLECTION SVC Not Proven Compliant Account -- > XXXX
Consumer complaint received 2020-03-14
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. (GA)

- Sunday, XX/XX/2020 I exited the XXXX XXXX in New York around XXXX XXXX. 
- A gentleman driving a pedicab offered a ride. I asked the price and he said, {$5.00} per minute. I told him I was going to XXXX  XXXX and asked how much time that should take and what the price would be. He said, That will take about 6 or 7 minutesso it will cost around {$35.00} I agreed to that price. 
- When we arrived at XXXX  XXXX the driver said, I am sorry it took a little longer than I quoted you ; it took around 8 and a half minutes. So the charge will be just under {$45.00}. But here is my business card. If you will call me when your dinner at XXXX  XXXX is through, I will pick you up and take you back to your hotel for free for the discrepancy in price. I was given no invoice and was told it would come through XXXX via email. 
- About an hour later the receipt came via email with a charge of {$380.00} for the 8 minute ride instead of the agreed-upon amount of under {$45.00}. My signature is NOT on the receipt. I immediately pulled out the pedicab drivers card and sent him a text alerting him to the incorrect amount. I got no response. 
- I contacted Chase and they said it did not constitute fraud b/c I had intended to pay an amount ... just not the high amount they charged. They said that they have seen this scam many times. The driver apparently inserts the card into a XXXX  device that he has on his person ( and not the one for the pedicab ) and squiggles something in the signature line and charges a fraudulent amount. Chase acknowledged that it was a scam, but refused to take the charge off my card.
Consumer complaint received 2020-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Reached out to creditors via phone described XX/XX/2017 victim of identity theft and fraud ; provided police report. To date each creditor have not reverse credit card to good standing or deleted omission 's derogatory statements from credit reports ( XXXX, Equifax, and XXXX  XXXX  ).
Consumer complaint received 2018-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

RE : NAVIENT STUDENT LOAN SOCIAL SECURITY NO XXXX ; Account # XXXX Hello : Navient Student Loan Company has mistakenly listed my student loan amounts due, twice, thus doubling my balance from approximately {$150000.00} to approximately {$300000.00}. 

See the attached. 

They also have not sent my invoice for the next student loan payment amount, purposefully so that I default and have to pay additional " collections fees. '' Please investigate and advise. 

cc : Pennsylvania, New York & Delaware Attorney Generals, US Department of Justice, Delaware XXXX XXXX XXXX Kind regards, XXXX
Consumer complaint received 2018-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

This card was payed off at the end of XX/XX/XXXX and someone started making purchase s in XX/XX/XXXX that I wasn't aware of and then they defaulted on it in XX/XX/XXXX.i wasn't aware of these fradulent charges untill recently.
Consumer complaint received 2020-04-05
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. (OH)

Someone is using my identity applying for credit and I have a lot of inquiries in my credit profile and I dont know how I got them on there. My social security card and wallet was stolen. Thats an issue. I need to dispute the inquires and they need t be removed. I need it to be investigated and corrected.
Consumer complaint received 2020-03-14
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)

Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. XXXX XXXX, Equifax, and XXXX.
Consumer complaint received 2020-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

On XXXX I telephoned the loan servicer on my mortgage loan Mr. Cooper AT XXXX to ask for Financial Assistance to stop the foreclosure on my home. I asked for financial assistance and asked what I could do to stop the foreclosure. I asked if I could get a loan modification or forbearance. At first I was told that I could be sent a loan modification application and then as the call proceeded I was told that a loan modification or forbearance was not allowed by the holder of the Note because I have a FHA mortgage and that Mr Cooper only services the loan. I do not understand why I can not get Financial Assistance because I have a FHA mortgage. This information was provided by a Loss Mitigation Department employee XXXX who stated she was not required to give me her last name when I asked for it. I have a FHA mortgage and owe a little over $ XXXX on my balance. I am self employed and I have a financial hardship and need assistance to save my home from foreclosure. I want to save my home that I have lived at and been paying on for 34 years. I have paid on my home since XXXX and have a financial hardship. I need help and Mr Cooper offered me no resolution or options to provide me with any sort of financial assistance. I need the holder of the note to provide me with some sort of financial assistance to save my home. My interest rate is extremely high over 9 percent and the mortgage rates are lower than that. I really need help to save my home. Mr , Cooper says the only way I can stop foreclosure is to pay the full reinstatement amount which is over {$2600.00} and that they could not provide the exact dollar amount and would have to order the exact reinstatement amount and it would have to be paid within 24 hours. How is this any help? I can not pay that amount and need financial assistance to save my home. I feel as if they want to take my home rather than provide me any type of resolution or assistance to stop foreclosure and let me pay a reduced amount to save my home. Both the HUD website and Mr Cooper website claim they can help offer financial assistance to their customers if they have a hardship but they will not help me by reducing my loan payments and interest rate or do a loan modification or forbearance to save my home. Who can help me save my home since Mr. Cooper will not assist me with a resolution other than to pay an amount I can not afford.
Consumer complaint received 2018-03-14
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (WA)

On XX/XX/XXXX I filed for a chapter XXXX bankruptcy. This debt was not reaffirmed, yet we intend to keep paying on the mortgage. Freedom Mortgage would not mail out a reaffirmation agreement, despite numerous requests for them to do so. So, this debt was discharged.

The issue is this debt continues to report on my credit report as well as my wife 's credit report. Since this debt was discharged, the trade line should reflect a {$0.00} balance for both XXXX and XXXX XXXX. It should also be noted that XXXX is a non-filing spouse, yet Washington state is a community property state, so the discharge on this debt extends to her as well. Furthermore, payment history should not be reported after XXXX, XXXX. 

Freedom Mortgage continues to report this debt on both my credit report as well as my wife 's. Numerous phone calls to them do not fix the problem. 

Another issue lies with XXXX 's payment. Freedom Mortgage reported XXXX 's payment as 30 days late, even though it was received on XX/XX/XXXX. They received this payment on XX/XX/XXXX but did not apply the payment until XXXX. This caused a 30 day late payment to report. 

The continued mismanaging on this account has caused my wife to suffer a closure on her XXXX  XXXX XXXX credit card as well as a credit line reduction on her XXXX XXXX and XXXX XXXXXXXX XXXX credit cards. All three credit cards cite a mortgage late payment as a reason for the adverse action. And this was due to incorrect information reported by Freedom Mortgage. 

Previous CFPB complaint numbers are XXXX and XXXX.
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (DC)

Citibank is refusing me access to manage my own account. They've demanded that I look at all sorts of issues on my end of things ; however, it is definitely a problem on their end. After a week of back and forths ( including multiple attempts to contact someone at CitiBank who can help ), I'm at wits end. Citibank is refusing to allow me to stop transfers out of my own account. The only error information they give me is : " We've encountered an issue and are unable to complete your online transaction. If you're having problems completing this process, please call Customer Service at XXXX press Option 0 then option 7, or call XXXX XXXX if you are outside the U.S . Please have your ATM or Debit Card number available. ''
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (LA)

XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,
Consumer complaint received 2018-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Transunion, I am requesting the removal of this bankruptcy ( below ) on my Transunion credit report due to XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX., v. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on the Bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy ASAP. 

Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this Bankruptcy listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

This complaint about SIR XXXX XXXX, XXXX. address below XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX In the month of XX/XX/XXXX I went to pay rent to the XXXX property manager, I was also behind on my payments due to my unemployment in the month of XXXX. On XX/XX/XXXX I went with my daughter to pay for both months in two separate checks with my daughter, but the property manager refused to except my checks, she told us both to go to court. Two weeks later I received a letter for the court date. I went to court and the judge asked when I can vacate the premises because my daughter is in high school, then the judge told me I have to vacate XX/XX/XXXXt and pay {$1300.00}. He also dismissed the court case number XXXX. XX/XX/XXXXt I went with my daughter to pay {$1300.00} in check by court order. She accepted the check but refused to inspect the property XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. She later refereed my case to XXXX XXXX XXXX address below XXXX XXXX XXXX XXXX, WA XXXX Two months after she sent me a bill from a collection agency for the wrong amount I owed which was wrong. 
In the end I would like to inform that they never worked on the apartment in the five years I lived there, they never replaced the carpets, painted the walls and never fixed the leaking walls. Due to the leak in the wall, a fungus started to grow which my daughter was allergic to. We have medical bills to prove this. I hope you will take a look at my issue. 

Sincerely, The XXXX family
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I pay a monthly fee to Equifax for credit monitoring services which are suppose to be unlimited monthly reports however im Unable to get my report and my creditor are unable as well ... Im still charged the monthly fee and have called the credit bureau twice a month for the past 6 months at which time they will say something needs to be updated but never resolve my problem completely .... in addition they have failed to complete previous complaints filed on them thur your service ... I have sever credit accounts for which no payment information has been updated since XX/XX/XXXX and several new accounts that fail to appear on my report although the creditor provided proof Equifax was notified of updates.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-14
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. (TX)

Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on experian, XXXX XXXX, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}
Consumer complaint received 2018-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DE)

I paid off the balance and they continued to charge me an interest rate after the balance way paid in full. when I called them they said I paid it off late and I told them to close the account. their automated system is still calling me after I had them close the account.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/2018 I made an international online purchase for {$25.00} so I used my XXXX   XXXX that says it charges no foreign transaction fees. When I viewed my statement I saw that I was charged a {$10.00} cash advance fee. I immediately contacted a representative and was told that the fee was based on the coding of the vendor and that XXXX could not remove this charge. I reluctantly paid the full amount of {$35.00} and when I viewed my account again I saw that an additional {$2.00} " minimum charge '' fee was added after I had paid. I called a representative again and the lady told me that this was a minimum charge on the cash advance and she could not remove this charge neither. I pay an annual fee of {$89.00} a year, make a {$25.00} purchase and get billed {$12.00} in fees.