davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

We traded in our old car which was financed through GM Financial on XX/XX/XXXX. A new loan was originated with GM Financial the same day. 

On XX/XX/XXXX, we called GM as we had not received a billing statement for the new loan. The representative told us that we did not have a payment due as an overpayment on our old loan was credited to the new loan. This made our first payment due XX/XX/XXXX.

Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We have been continuously harassed stating that we are past due and missing payments when we have paid according to the information received from the company. On XX/XX/XXXX and XX/XX/XXXX, we received threatening phone calls from your company advising that we had to pay or else. And that we have somehow racked up late fees totaling over {$200.00} and have been reported more than 30 days late. 

Please correct the account as we have not missed any payments. Also please coach your associates accordingly as it is not right to threaten a senior citizen who is just trying to do the right thing and making a payment every month.
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

My student loans are with Navient Solutions , LLC . This company has forced me into forbearance in that the would not lower my monthly payments to a payment that I would fit me. On XX/XX/2019, the company approved a forbearance only because they denied me a deferment. The reason the company said they denied deferment was because " Your income is greater than the poverty level guideline for your state and family size. '' I would have never asked for a deferment or a forbearance if the monthly payments were at a payment that I could handle. In XXXX of XXXX, I emailed the company and told them that the monthly payments were too high, even after I applied for income base repayment. The company refused to deny payments in my best interest. Therefore, it pushed me to either defer my payments or apply for forbearance. 

I also had a loan with a school that was a for-profit school, XXXX   XXXX. This school is no longer open and credits were not transferable to any college. The college was not accredited.
Consumer complaint received 2020-03-18
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: EQUIFAX, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (NC)

Today ( XX/XX/XXXX ) I called Barclay Card to make a payment @ XXXX EDT today the customer service # XXXX stated that no automated service was available and to call back later. There was no option to reach a customer service rep either. I called a direct phone number I had to reach a representative. The AVR system ask for last for digits of SS #, my DOB, account number. I was then directed to a collection department. The person by the name of XXXX answered, proceeded to ask me again for the same information I just gave to the AVR system. I refused to give him this info because I had just given the info already. He refused to help me because I refused to give him such info. 
I placed a call to XXXX at the office of the President to share my experience. I left her a voice mail. On XX/XX/XXXX I spoke with XXXX who informed that she would be reversing all the late charges, due to misunderstanding. She also indicated the late charges would take some time. For a while I received some collection calls, as she stated would happen. But, when I called today to make a payment, I was told that the account was past due. A 2nd call today was answered by XXXX, again, XXXX and then Manager : XXXX both refused to render any customer service because I would not repeat info I had just given to the AVR system. I feel Barclay Bank deliberately antagonizes customers. I DO NOT owe Barclay any late charges. I would like to have my account balance restored and originally agreed by XXXX. I want any 30 day lates removed from my credit report and confirmation of such.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Chase is not the original lender of mortgage. I am XXXX handicapped and they have tried to take advantage for years I do not know where to begin. First they tried to pull off a short sale, they changed the date the mortgage payment due, put liens on property without serving me court documents. Now they are trying to bill me for past years I did not have house insurance. I was told in real estate class that California law states that if house is more than 2/3 paid off you do not have to have house insurance. 
Chase is going out of there way to add extra costs onto the mortgage every few years and it is because I am XXXX  disadvantaged  and they want to take advantage of me. I feel they will not hear what I try to tell them and come after me underhandedly and wickedly to add extra costs. This violates Americans with Disabilities and is so unjust. It is done because I am a widow, XXXX, poor and without resources to protect myself. It never ends. Has been going on for years. 
I sent a check for XXXX for escrow only. Chase decided not to put it in escrow which understandable they want money, interest, ect. I then ran into extreme financial crisis and asked if they could put it towards next months mortgage or mail back. Instead they try to bill for house insurance years past.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EQUIFAX, INC. (FL)

I have an erroneous tax lien held against me when I was a minor up to being about XXXX years old. I have got it fixed through the IRS, ( tax lien was filled under my name erroneously ). I have the letter stating that from the IRS that I am all clear and do not owe any money to the IRS. I went to the City to also have it cleared and have all the correct forms that they needed. So I am good with the IRS and the city. Big problem that I am running into is with my credit. I submitted all forms to all three bureaus. I had no issues with XXXX XXXX and XXXX dropping the tax lien the first time I submitted the request. Equifax has been giving me issues for almost two years now. I have submitted numerous request and they have not dropped this tax lien in the there system. I have even gotten an attorney through the military with no results ( due to we cant sue ) so he told to go through this first and then if this does not work to get a civilian attorney. I have not been able to get a loan in almost two years due to this lien that is still being held against me with Equifax.
Consumer complaint received 2019-08-14
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: EQUIFAX, INC. (IN)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2019-12-20
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. (ID)

In XX/XX/XXXX, I finished a deed in lieu with XXXX XXXX. The mortgage account was closed and i was relieved of any further responsibility. Subsequently the property was sold to a new owner in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX. started sending correspondence reporting that they had been transferred the loan and began requesting payments. I initially thought it was a scam but after receiving a few more letters, I contacted them and explained the situation and considered the matter closed. I received no further information until XX/XX/XXXX when I saw they had placed numerous late payments on my credit report. I have tried getting this resolved with XXXX, who has acknowledged this is not a legitimate claim and never should have been transferred or accepted by them. I keep contacting them but they keep asking for more time and say they are working on it. I have also disputed it with all 3 credit agencies who said after their " investigation '', it was a valid account. This is fraud plain and simple and the credit agencies are supporting this irresponsible behavior.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

Maintained a credit card with Discover Financial services, for 3+ years and did n't file a fraud complaint until 2 months ago. After filing a fraud affidavit and sending the fraud department supporting documentation, Discover Financial Services sent me 5 confirmation letters stating my funds have been credited as of the beginning of XXXX 2016. Upon checking my account everyday since beginning of XXXX, no funds have been credited. Discover financial services owes me over XXXX XXXX dollars in credits. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.
Consumer complaint received 2020-03-18
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS FOUGHT TO MAINTAIN A GOOD CREDIT SCORE BECAUSE I UNDERSTAND THE IMPORTANCE OF HAVING GOOD CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Collection Bureau Inc. (TX)

My daughter and three roommates were tenants in a building managed by XXXX XXXX XXXX for 3 years ( they were all XXXX students ). When they moved out, XXXX charged each tenant for various items. The charges were around {$450.00} per person. I paid most of my daughter 's charges as the guarantor on the lease, but disputed two of them : ( 1 ) for painting her room because of thumbtack holes in the wall and ( 2 ) cleaning and/or replacing the main living area carpet. I disputed them because both are routine maintenance and would be undertaken for any incoming tenant/these are the landlord 's cost of doing business. The two disputed items were about {$130.00}. XXXX cashed my check for about {$320.00}, and has now referred the remainder to Collection Bureau Inc. in XXXX, Idaho. I've contested the debt with both XXXX and the collection folks, but continue to receive harassing letters demanding payment. 

As you'll see from the attached emails, the landlord claimed the carpet was " stained. '' Not surprising when four college students live in an apartment for 3 years. Later they claimed there was " pet damage. '' I don't know about the others, but my daughter didn't have a pet so even if there was pet damage so I'm certainly not responsible for that.
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: Experian Information Solutions Inc. (NC)

Reference : XXXX XXXX XXXX - XXXX XX/XX/XXXX Experian 's National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam ; In reference to the account above I would like to bring to your attention an issue which I have been unable to resolve directly with Experian or XXXX XXXX so I am writing to you to have this item removed. In XX/XX/XXXX XXXX was reporting a payment status of discharged through bankruptcy and the balance of XXXX. This has been reported since XX/XX/XXXX. On XX/XX/XXXX this changed from discharged in bankruptcy to a balance of {$20000.00} which is incorrect, as it was discharged in bankruptcy per the XX/XX/XXXX report. Apparently, there is some issue on either XXXX or Experians difference in reporting systems that cant get this resolved thru multiple letters, phone calls, ect, as such it should be removed as incorrect information. I previously provided bankruptcy schedules showing discharged, it is reporting as a {$20.00}, XXXX balance still open and not discharged.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called Chase several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS OAG XXXX XXXX XXXX inaccurate/never late XXXX XXXX  XXXX XXXX not mine
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (FL)

I opened a citi double cash card the beginning of XXXX and still have not received. They keep telling me they will resend a replacement card and still have not received it. They have told me that they have sent it out 3 times but yet still have not gotten the card. I have called to complain but they still havent resolved it. They wont overnight me the card. Its getting absurd at this point. I have never had so much grief for opening a credit card.
Consumer complaint received 2019-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (IL)

On XX/XX/2019 I want to end my membership with the Moneylion app. I had to pay remaining balance of a loan of {$500.00} in which I had XXXX left. I paid the balance in full. The money was never withdraw from my account and when I contacted their loan department they stated I had insufficient funds. I checked my account thats linked to the app and that wasnt the case. I continue to use the app until I receive a notice of them add more charges to each account for investors. I then attempted to payout loan on XX/XX/2019 the day after Im paid and they stated again insufficient funds available. I then realize that they were try to keep me lock in using the app to prevent me from paying loan off and hold my {$830.00} investment holdings. They no longer answer phone nor do you receive hold call back from agents being on other calls. The support emails can not be responsive due to auto generated close ticket numbers given.
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: Experian Information Solutions Inc. (IL)

On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent Experian an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from Experian regarding the bankruptcies listed on my report. 

Experian response : Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. Public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter to Transunion to dispute a account listed on my report as unverified on my credit report I listed XXXX XXXX XXXX and I listed it unverified or unknown to me I asked for a deletion the response I received was that they could not find said debt on my account and it must be listed with another credit agency well how can they say that when I have proof on my XXXX  app that list my 3 credit report and TransUnion being one of them tthey could not find this particular company XXXX XXXX   XXXX  I am submitting there letter and a screenshot from my own app the same name listed on my app for this company XXXX XXXX  XXXX for deletion from TransUnion if I found it why cant they?
Consumer complaint received 2020-03-18
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: WELLS FARGO & COMPANY (FL)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

was contacted in XXXX by Radius Global Solutions LLC re : a very old alleged debt originating from XXXX owed by my husband, XXXX XXXX. I informed XXXX XXXX that my husband was deceased as of XXXX and she responded that I was a co-maker on the debt. I agreed to make 3 payments of {$120.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX so she set up an auto pay from my checking account. The sum of these payments she stated were a reduced offer to settle for {$370.00}. She stated the amount owing is {$1200.00} but the XXXX payments would satisfy the collection. The {$120.00} was withdrawn on XX/XX/XXXX. However, a letter from Radius dated XX/XX/XXXX was addressed to XXXX an confirming the monies would be debited to the account on XX/XX/XXXX. I read the letter after XX/XX/XXXX. It then struck me I had no proof I was a co-maker on this debt and further the letter was addressed to my deceased husband although I had related he was deceased. I called XXXX at Radius on XX/XX/XXXX asking for proof to confirm I was a co-maker. She stated it was impossible to get me that information document and that all she had was electronic detail. I asked her to send me a letter with documentation and she again argued it was impossible. I then advised her I was withdrawing my permission and authorization for any further payments. 

At the time of his death, my husband and I were not living together.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TN)

I am a victim of identity theft. On file with the credit bureaus i have a ftc complaint and a id theft affidavit. I noticed the fraudulent acct. XX/XX/XXXX from a Southwest Credit Systems alledging I owe a debt when i have not applied for any credit in the last 10 yrd
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY ASSOC is reporting a debt that i do not owe ... and they are not lawfully permitted to collect any money from me? ( 1 ) Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission. ( 2 ) Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I mailed in a Annual  Credit Report Request Form to all 3 credit bureaus but received no response. I set up an account online with XXXX and made 4  attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (IN)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) , XXXX XXXX