davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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. (AR)

On XX/XX/2018 Equifax received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for XXXX to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX # XXXX, and 3.XXXX XXXX XXXX XXXX XXXX. Equifax has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Equifax received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Equifax has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.
Consumer complaint received 2018-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

Over the course of three years ( XXXX ), Sallie Mae ( now Navient ) loaned me {$130000.00} in private loans while I pursued my doctorate. I was a full time student at this time, so my husband co-signed for me ( although his yearly salary was only about {$65000.00} at the time ). I completed my doctorate in 2013. While I was in school, Navient kept my loans in deferment. Once I graduated, I went into repayment but quickly found that the capitalized interest had increased my loan amounts substantially, and the minimum payments they required were greater than I could afford on a teacher 's salary ( at one point, they were demanding a payment that was about 2/3 of my monthly take-home pay ). I have asked for income-based repayment plans on numerous occasions but have been told repeatedly that they can't help me. They have put two of the five loans on a reduced interest rate that makes the payment more manageable but they have repeatedly refused to work with me to make it feasible for me to pay on ALL my loans. Since I've been in repayment, I've paid a total of {$27000.00}. My loan amounts have increased ( in total ) by {$120000.00} so that I now owe Navient {$260000.00} and can not begin to make the minimum payments they are requiring. I have filed complaints in the past regarding the derogatory and unethical comments and threats Navient representatives have made to me ( one representative told me I was stupid, and another threatened to have my teaching license revoked since I was behind on my payments while another threatened to send the sheriff to my home to arrest me ). I am filing this complaint now because XXXX XXXX, the attorney general for Mississippi, has filed a lawsuit against Navient for fraudulent and deceptive student lending practices. I feel that I have been victimized by Navient since they should never have loaned a college student/teacher {$130000.00} in the first place. Since those loans, they have failed to notify me of the penalties and interest that I am accruing and have made it easier to put my loans in forbearance rather than working with me to make payments in keeping with my actual income and family size. At the rate at which Navient increases my interest rates and piles on penalties, it is going to be impossible for me to earn enough money over the course of my lifetime to pay them off. Ever. I have offered to pay what I can on each loan as a sign of good faith but even that was denied. This company is worse than modern day mobsters.
Consumer complaint received 2017-10-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

Penny Mac, took XXXX dollars out of my checking acct. without authorization from my XXXX XXXX. In calling them they told me that someone called me and I set up an automatic withdrawal payment with them. I DID NOT AND NO ONE CALLED ME. This is fraud. I have never been late on my payments and have always called in to make that payment. THIS IS FRAUD BY PENNY MAC. 

My name is ; XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX, Acct : # XXXX at Penny Mac.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I received an email from moneygramheadoffice, ift was emailed to me today XX/XX/XXXX @ XXXX. Since I was a former XXXX XXXX agent and was trained to look out for these types of scams, I did not send any money or replied to the scammer. However, I wish to inform everyone to either look out for these scams and to be able to get the scammer caught and tried for their actions. Here is the email that was sent to me, I hope this is helpful. 

Dear valued customer, We have sent the XXXX out of your total compensation sum of {$2.00} XXXX USD from money gram head office in USA. All we need from you now is just list information such as your 1, Your Name -- -- -- -- 2, Your Country -- -- -- -- 3, Your Phone Number -- -- -- 4, Your occupation -- -- -- -- 5, your home address -- -- - Here is the reference number of your first payment, Sender First Name : ... ... .XXXX Sender Second Name ; ..XXXX Reference : XXXX ... ... ... ... # XXXX Amount Sent : ... ... ... .. {$5000.00} You can verify the reference number in any money gram office near you or by tracking it on our website with this link, ( XXXX XXXX XXXX XXXX ). Just fill the reference number but you can't pick it up What you are requested now is AUTHORIZATION RELEASE PERMIT, which is going to cost you $ XXXXUSD ( only ) please be aware that this is the only charges/fees, as soon as this is done, your funds will be release to you in less than 45 Mins through money Gram The status now shows Available for pick up by receiver because this amount has been on the system for security reasons, since I did not get any reply message from you after sending you several notices with the transaction details to enable you pick up your Reference number Now, you are strongly advised for the last time to go on today
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Words can not explain how frustrated I am with EARLY WARNING SERVICES! The response that I received from the company is ridiculous! All that I received is an automatic response to my complaint stating " that the fraudulent account was verified ''. Still I have no type of original proof of contract signed between XXXX XXXX and me! or any type of paperwork! EARLY WARNING SERVICES is most definitely breaking the law ( FCRA ). I feel as though they are taking advantage of hardworking citizens such as myself who try their hardest to keep their credit report clean! by continuing to report inaccurate information on my credit file, and tarnishing my name, harming my credit worthiness and adversely affecting me as a person I will take take further litigation action if this company does not Freeze my credit file and remove these fraudulent accounts!
Consumer complaint received 2018-09-11
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: Experian Information Solutions Inc. (TX)

I disputed the lates that were on my credit report from all the bureaus XXXX, Experian and XXXX. All three have not removed the late from XXXX XXXX after being provided proof.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

US Bank is engaging is unfair and deceptive practices by purposely charging customers a late fee on their credit card when the online payment did not work as scheduled. I logged into my US Bank Account several weeks before the {$29.00} payment was due on XX/XX/2018. I thought I had scheduled the payment as that is what the online banking system displayed. However, I noticed on XX/XX/18 that the payment never went through and I was charged a {$27.00} late fee, which is ridiculous for a {$29.00} payment that was not made due to an error in US Bank 's Online Banking System. I made an online banking payment for my whole balance, minus the late fee, on XX/XX/18 and contacted Cardmember Service about waiving the late fee since there was an issue with the system and I've attempted to set up Autopay in the past without luck. Cardmember Service refused to waive the fee and hung up on me when I requested to speak to a  supervisor. 

This same situation occurred last year when I tried to make an online bill payment through their site but they claimed they never got it. They were supposed to help me set up autopay last year, but never did. US Bank is clearly engaging in unethical behavior and trying to scam their customers out of money.
Consumer complaint received 2020-06-01
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: CITIBANK, N.A. (CA)

I purchased a XXXX XXXX  from XXXX XXXX online store ( XXXX # XXXX ) on XX/XX/XXXX, which cost me {$1100.00}. The wheelset has a problem of cutting sidewall of tires. After speaking to XXXX with XXXX XXXX XXXX ( owner of XXXX XXXX ) on XXXX XXXX, XXXX, I shipped my XXXX  to XXXX XXXX  on XXXX, XXXX and it was delivered on XXXX XXXX, XXXX. XXXX ( customer service ) at XXXX XXXX also confirmed the delivery of my return, but he stop replying my e-mails and I couldn't get any updates from him. I called XXXX XXXX and spoke to his colleague, but nothing happened. 

I filed a dispute with my Citi credit card, and the case has been resolved in my favor ( see attached ). Because I didn't see the credit applied to my account by the time I noticed ( from email ) that my case was resolved, I thought I have to withdraw my case to end the case and to get my credit back. It was only after I saw the paper mail notice ( see attached ) and the reverted credit on the recent bill that I realized that this wasn't right, Citi applied temporary credit to my account when I opened a dispute and reverted credit when I clicked on withdraw. 

But, how can a conditional permanent credit from a resolved case be reverted again? There are too many misleading things from my credit card service. 

After I spoke to the Citi dispute department, they insist that there's nothing they can do which is ridiculous. How can Citi design a system that allows customers to withdraw any resolved case cause revert of a conditional permanent credit? A resolved case on the web page should be closed, why do they give you a withdrawal bottom? They didn't provide clear information for the dispute procedure in the first place and they won't re-dispute for their customer. They ask me to speak to a merchant who now thought I got reimbursed from the credit card company I felt I've been scammed twice in this purchase, one by XXXX XXXX  and the other by Citi.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The J. G. Wentworth Company (TN)

Actually, the problem started back in XXXX of XXXX when I XXXX XXXX XXXX. I had been working for XXXX XXXX in XXXX, XXXX. The injury happened and within XXXX weeks I would be laid off. This would create a financial burden which continues to haunt me even up through today. 
The lay-off would burden me in loss wages and the loss of health insurance. In fact, XXXXXXXX XXXX XXXX would be my insurer to ratify my situation. This was occurring in XXXX of XXXX. My unemployment would be through XXXX  and then XXXX  which was not even {$250.00} a week. Anyway, the XXXX did not happen until the XXXX of XXXX, XXXX. I wasn't able to find work until XXXX, XXXX and that didn't last but a few months. 
Work did not become steady until XXXX of XXXX. I hired onto a temporary agency which had me work with XXXX XXXX. XXXXXXXX XXXX XXXX ( XXXX ) was the temporary agency. There was a conflict of interest and I would end up switching to XXXX XXXX. The next year would be with XXXX XXXX while working with XXXX XXXX and XXXX XXXX XXXX. Eventually, I would be hired fulltime onto XXXX XXXX  as a XXXX XXXX XXXX  on XX/XX/XXXX. 
The struggle in paying bills came in XXXX. I was XXXX although there were restrictions in getting Social Security until XXXX and XXXX months. Anyway, I would go to J G Wentworth to help resolve my issues. Everything seemed fine until XXXX of this year when I tried to get a loan to repair my falling apart kitchen. This is when I realized that I had a collection placed on from XXXX for XXXX XXXX which was XXXX that had been negotiated through JG Wentworth. It was for the full amount even though JG Wentworth had negotiated the terms down lower. Since I didn't recognize XXXX, I called them to see who they were and they stated that I should continue to pay on the loan through JG Wentworth and that this collection would drop off after the negotiated was paid off by XXXX of XXXX. 
Ironically, when I hired the crew to repair my kitchen, I didn't realize the difficulty in getting a loan. Since I was unaware that I was going to have to get into a high interest loan, I chose XXXX XXXX which in turn tacked {$750.00} to do the loan with a high interest rate. Little did I know that they are affiliated with XXXX. What was interesting is that they don't report to the credit bureau. 
I called JG Wentworth about my disappointment of having this collection on my credit bureau because it hinders me in consolidating. Since I didn't get anything resolved, I figure another angle may be my best bet.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XX/XX/XXXX, I filed a dispute with transunion for my auto loan account with XXXX XXXX XXXX ( account # XXXX ) to update the balance. I explained that the balance was {$1000.00} less than what was being reported. Instead of updating the balance, the account was deleted from my credit report which lowered my score XXXX points. I called transunion and they said that they deleted the account on XXXX XX/XX/XXXX because the creditor could not verify the account. I called XXXX and asked them and they said they do not show any contact with Transunion and that the account is still open and in good standing and should never have been deleted. They sent me billing statements and the contract along with payment history. I told Transunion I had this information that shows the account is still open and should not have been deleted. I was told it didn't matter, that the account was deleted because they couldn't verify the information. How can you open an investigation and delete the account the same day? And why does the creditor have no record of this contact or dispute?
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

THE ACCOUNT WAS CLOSED BY BANK OF AMERICA DO TO A SIMPLE FIRST TIME MISTAKE THAT I DID NOT KNOW ABOUT ... BUT THE COMPLAIN IS ABOUT THE TRAVELING REWARDS OF XXXX THAT THEY ARE SAYING THAT EXPIRED DO TO CLOSING OF THE ACCOUNT ... BUT NEVER RECEIVED ANY KIND OF NOTICE ... SEE ATTACHED FILES. THANK YOU XXXX XXXX
Consumer complaint received 2018-06-21
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. (DC)

XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I tried to Unfreeze my credit online with Experian. Just get a Security Freeze Error. No explanation. 
Calling the suggested phone number leads nowhere and not able to reach a representative. 
This is holding up my mortage refinance process. 
Experian online does not provide a way to contact them via email.
Consumer complaint received 2018-06-21
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. (VA)

Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past  years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going on my credit report.
Consumer complaint received 2018-06-23
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: ENCORE CAPITAL GROUP INC. (CA)

recently I received a letter about Substitution of Attorney -- Civil by XXXX XXXX XXXX XXXX, I don't know why I involve to this sue case, maybe it is my 10 years old unpay XXXX credit card bill? I have contact XXXX credit card to discuss about the bill have wrong, and submit letter to credit card company complaints. I also receive a letter about law suit against XXXX XXXX, who try to collect old debt, which XXXX XXXX lost this law suit case. after this, my credit report have remove this negative issue. I don't know why they debt collector take law suit again. please advise me what I should do. Thanks
Consumer complaint received 2018-06-21
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)

Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going on my credit report.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

( Submission with documentation : ) I am awarded a property through divorce. Wells Fargo has consistently denied my ability to assume a loan associated with the property and be added to the mortgage note in accordance with Garn-St. Germain Depository Institutions Act of 1982. I am also listed as " survivor in interest. '' As a result, I have fallen behind by two months on the note. Wells Fargo is implementing a " due on sale clause '' of which I am exempt by law. This has delayed the process of adding me to the note and has been costly. Wells Fargo has now attempted to offer a loan modification with a simultaneous assumption as a way to assume the property, but Wells Fargo is fully aware that given the nature of the loan being assumed, a loan modification may automatically become denied or unattainable. The loan is a MBS loan ( Mortgage Backed Security ) loan which does not have a permanent  modification option. It is unclear why Wells Fargo continues to operate in manner and continues to impact my ability to be added to the note in accordance with the law and exemptions on divorce transfers of ownership.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.