davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-26
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IN)

A representative from Navient offered affordable monthly payments, stating that I had to make sure to pay for 3 months, and then I would be entered into a reduced interest program. 
My husband and I agreed and began making monthly payments. At that time I also began looking into repayment options, such as grants, forgiveness, etc. I was approved for {$7800.00}. I called XXXX and to ask about directing the allocation of the additional funds to completely pay off XXXX of my smaller loans, leaving only XXXX larger loans. I was told that I could not do that until the funds were received. Once the funds were received I called back and was told that I could not decide how my funds were allocated, but was advised to email a supervisor and ask. I was also informed at this time ( 6 months of on-time payments later ) that I had not been put into the reduced interest program, due to missed payments. I was told that missed a payment the month that XXXX received {$7800.00} which was two months after I should have already been in the program. I then received XXXX letters in the mail thanking me for my partial payment?! I have only paid the full amount that was initially agreed on. I never received a reply from the person I emailed, but I did call back. After that next conversation my excess funds were reallocate to pay all but XXXX cents of XXXX of my loans, but left {$460.00} on the other XXXX that it was suppose to pay off completely. I continued to call in order to have it done correctly ; in fact, I call back about XXXX to two times a week now. I have spoken to over XXXX different people and have been told that what I am asking for is possible and legitimate ; however, I ca n't seem to find the XXXX person that handles this. I have been told by all representatives that they are working on it. Yet it has been 5 months since the excess funds were sent in, and 10 months of regular on time payments, I have still not been put in the reduced interest program ( despite being told several times that I am eligible and will be entered into it that day ), I still have not had my funds reallocated, and XXXX still reports to the credit bureaus that I am not paying, despite nearly a year of on time payments and {$7800.00} in excess funds.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

Received a credit card statement which indicates an increase to the credit card balance due to applied interest, despite a timely payment made for the prior credit card statement. No charges have been made on the card, as the card has been closed for over a year. Additionally, a prior payment should result in a slight decrease to the remaining balance due. I have suspected for some time that this credit card company is engaging in fraudulent practices to prevent consumers from reducing and eventually paying off their credit card balance.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had an account with XXXX XXXX XXXX  opened XX/XX/year> and they reported me late XXXX XXXX XXXX  days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am XXXX  days late in XXXX with XXXX XXXX mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I opened a new checking account in the Bank of America in XXXX XXXX, XXXX XXXX XXXX, Virginia XXXX - because I liked the good offer it had itself it means {$100.00} as a gift If have at least XXXX direct deposits in the first 90 days. However before opened it I got information about it by phone and twice with the branch, all of them in the same branch, so after I opened my new account the banker explained to me the process about the direct deposit so I had to handled with my employer so I did. Few days later, I called the bank to ask when exactly I would received the gif? the banker told me : If my direct deposits are more than {$250.00} I will receive it after 90 days otherwise I do not received any gift. It was a new information nobody told me before I told the agent about that he said sorry, the manager of the branch apologized to me offering she can close my account If I want to but she will not give me the gift and finally customer service of the bank told me they ca n't do anything about it. PLEASE I need your help this bank mistreated me as a client, they did n't have any consideration with me after they behave was snaky with me ; it was very clear the banker just wanted trapping me as a client opening a new account hidden the true cheating me all time. Also I had to change my old direct deposit to this new one costed me time, money and explanations to the XXXX office of my job. I think is my right to demand the gift of {$100.00} from the bank as they offered me the first time, they must keep their words. I do n't deserve be treat with disrespectful. Thanks, XXXX XXXX
Consumer complaint received 2024-09-02
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. (MO)

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (MS)

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX account XXXX XXXX, Account name XXXX XXXX XXXX account number XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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 2015-08-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (OH)

Debt claims I owe {$110.00} since XX/XX/XXXX. Seeing as though I was working in XXXX, it ca n't be authentic. Last reported in XX/XX/XXXX to the credit agencies. 

I already wrote to this company with no response.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (CA)

The debt in question was paid in XXXX 2014 and is still being reported to the national credit gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.
Consumer complaint received 2024-08-27
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-01-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACCESS GROUP INC. (CA)

Perhaps this is a common problem. I have had private law school loans since 1998. These loans are currently split between XXXX service providers - XXXX ( formerly XXXX XXXX ) and Access Group ( ACS ). Since my loans went into repayment, I never missed a payment, and paid my full amount owed every month. However, in the last couple of years, I 've had some challenges. I had to take time off from full-time employment due to some health issues, and we needed to relocate for my husband 's job across the country. I had a baby. I needed to stay home for a while. With both loan providers, I was able to suspend the federal loans, but the private ones have been more problematic. I am told I have no other options with those at this point. The monthly for ACS is {$270.00} and the monthly for XXXX is {$230.00}. The financial stress on our family is significant because of this, as I am not bringing in an income and not receiving any type of unemployment assistance. The lenders claim I have no options. I asked if it might be possible for me to pay a lower amount each month until I obtain employment. The answer was no, that this would still be considered default, even if I paid XXXX-XXXX percent of the amount owed each month. Essentially paying a substantial portion counts for nothing. I feel that this makes no sense and is borderline predatory. It seems as if trying to work out an arrangement with them is impossible. I understand why people give up and do n't pay at all. However, I have excellent credit and it 's important to me to retain this. It 's going to wipe out our savings over the next few months. I think the unwillingness to work with clients during financial difficulties is a real problem. This is not credit card debt. Most of us with these loans are responsible consumers. The failure to work with an individual who is willing to pay the maximum possible in his/her current financial situation, is something that I felt was worth documenting. Thank you for your efforts to monitor business practices by the student loan industry.
Consumer complaint received 2015-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon checking my credit report at XXXX, I detected that " XXXX '' cable/cellular imposed on me charge on amount {$2300.00}. I state, that, I never used " XXXX '' services cable/cellular. It is apparent to me that my identity was compromised by fraudulent activities.
Consumer complaint received 2019-08-14
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. (LA)

Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make XXXX modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion had a glitch on XXXX, 2016 and due to this a total of XXXX inquires are now back on my credit and has lowered my score by XXXX points. I called to speak with the special handling department at XXXX to advise and I was told that yes there was a issue ; but they are not able to HELP., Are you serious? Come to find out, the outsource company did not transfer me, they put me on hold and got someone else from the same department.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

These are XXXX XXXXNavient loans that I paid on for over ten years and the balance is still very close to the original amount. I saw this on the XXXX XXXX and said I am XXXX of those people. Where did all of the money that I paid into it for 10 years go? They, repeatedly, offered forbearances and said it would just be an extra payment at the end. There were times were I would make a payment and it just disappeared. I would be forced to make another payment, the next week. They were very deceptive. The loan was sold multiple times and often felt that I was being lied to with no one to get a real answer from. I paid on XXXX accounts for ten years and the total is still near its original balance ( {$11000.00} )! These now show up as closed-derogatory student loans with an {$10000.00} balance. I paid on them for ten years and paid down {$500.00} I just got a call from XXXX XXXX from XXXX XXXX XXXX who said they were with Navient and looking to settle at a drastic reduction, however, the words and actions of the person that contacted me on the phone made me unsure of their validity. 

These multiple loans have kept me from getting into a home for ten years. I, finally, have some XXXX to listen. As much money as I have paid to this loan, I would like for it to be resolved and removed from my credit report.
Consumer complaint received 2019-08-15
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. (KY)

On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of XXXX and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. XXXX also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

American Express cut my credit limit in half due to low monthly expenses on XX/XX/2019. Im frugal and spend about {$200.00} a month on the card. They cut my limit from {$15000.00} to {$7500.00}. This increased my credit utilization ratio. They did NOT inform me of this change. When I called they said I could no longer change it. I went on the website on my own to raise it as high as I can. I got it to {$11000.00} but would like to bring it back to {$15000.00}. They refused to reinstate it. I havent made a late payment in 16 years! They seem like they just want to force people to pay interest so they can make money. I am leaving the company as soon as I get my replacement card.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting incorrect facts regarding a Bankruptcy on my credit report. TransUnion maintains that they " verified that the Bankruptcy is accurate. '' I requested to see TransUnion 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XX/XX/2012 my student loans were discharged due to XXXX. I have been following the information on my credit bureau. XXXX has it correct. Transunion and XXXX do not. I have sent information and proof that the account from XXXX is not correct. I have asked over and over to investigate this. All they do is take XXXX word for it. Do they not realize that XXXX can be wrong. Do the many lawsuits and class actions against XXXX have any meaning? My biggest issue is with Transunion. It is like talking to the wall. Nothing changes. Meanwhile, due to this incorrect information, I am unable to get a home, or car. When you are XXXX, waiting for 10 years for incorrect information to fall off is not an option. I may be dead before it comes off. I think the CFPB should realize this is a big problem and consider action against Transunion as well as XXXX.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I received a letter from HSBC with promotion to open an Advanced Checking account and to maintain {$10000.00} for 3 months to obtain {$370.00}. I have maintained that balance for 6 months and still have not received any welcome bonus. I have tried calling the customer service several times but it has been unhelpful so far.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations