davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CITIBANK, N.A. (GA)

Citibank provided written response to my complaints that included false and misleading information to cover up the ongoing racially motivated attacks against me by their employees. I have been harassed! False information placed on my credit report by Citibank. They dismissed me and took no actions against the all the employees involved with their XXXX discrimination against me. I have done nothing. Citibank has refused my repeated requests for my account notes! Dates and times and reason fraud claims were opened on my account that I never requested nor consented too. Citibank is creating a hostile environment where XXXX consumers are not protected from their XXXX employees taking unlawful and unjustified adversed actions towards XXXX American customers. They have caused me financial harm, lied and falsely accused me and take no responsibility for the ongoing harassment by their XXXX employees since XXXX!
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX  and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (TN)

I have a debt that was originally with XXXX, but it is now with JH Portfolio Debt Equities. I  have tried to call this company every day for a week, and no one ever answers the phone. I left my phone number on their voicemail, but I havent received a call back. 

I know the debt is valid, but I am having trouble paying on it since I cant reach the collector
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Accelerated Financial Solutions, LLC (CA)

ACCELERATED FINANCIAL XXXX IS APPEARING ON MY EXPERIAN FILE. 
ACCELERATED FIN. IS AN AGENT OF XXXX XXXX XXXX   THE DEBT BUYER WHO OWNS THE DEBT.THE ORIGINAL CREDITOR IS XXXX XXXX. 

THIS SAME ACCOUNT WAS DELETED BY XXXX  ON XX/XX/2018, BUT THE DEBT AMOUNT HAS BEEN CHANGED BY XXXX DOLLAR AND THE CREDITORS NAME HAS BEEN CHANGED TO THEIR AGENT 'S NAME WHOM THEY EMPLOY.IT WAS XXXX XXXX XXXX   ACCT NO XXXX. 

FOR XXXX TO PERMIT THIS FRAUD TO OCCUR IS A CLEAR FCRA VIOLATION.
Consumer complaint received 2018-09-01
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: JPMORGAN CHASE & CO. (CA)

My card with Chase Bank has an official credit limit of {$500.00}, yet Chase has been letting me charge more than double over the credit limit for over a year. I seriously thought my credit had been increased already because for the past year my transactions have not been declined at the {$500.00} threshold, and are allowed to go up to well over {$1000.00}. Basically, they still get the benefit of their merchant fees for the hundreds of dollars in purchases I make ( and pay off in full ) every single month, yet tank my credit by reporting my limit as half the amount they are actually allow me to charge. 

Today, I called them to discuss reconsideration on my account for a limit increase and it was a lengthy phone call pretending to go over all these things, yet ended in them saying no. They claim all these excuses about why they can't increase it my limit, but those same reasons are not a concern when letting me charge up to more than double my limit? This seems like discriminatory banking geared towards minorities. They are actively destroying my credit with a reduced limit " on paper '' while it is clear the don't think I'm a risk or they wouldn't be allowing charges of more than twice the limit FOR THE PAST YEAR. If they really don't think I'm worth the {$1000.00} limit, then they are allowing charges banking on me going into default so they can charge exorbitant fees! That's predatory lending! 

So which is it, Chase? Do you intentionally target minorities to destroy their credit ( the new redlining ), or are you predators allowing charges beyond the risk point betting on customers to default so you can swoop in and collect your scavenger fees?
Consumer complaint received 2018-09-01
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. (CA)

I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/XXXX, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX XXXX Ref # XXXX, Opened XX/XX/XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/XXXX to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US) (IL)

This number has called me a total of 16 times ranging from XX/XX/2018 to today ( XX/XX/2018 ) and will not stop. I only picked up once to confirm it wasn't someone I knew and I haven't picked up since. They claim I am someone I am not and that I owe them $ 200+ dollars. None of this is true. I attempted to block their number but I still received notifications saying " blocked call '' and it fills up my call log. I tried to fix the issue with the " company '' but they never accept calls. It also seems that they call around the same time everyday, twice, but I can not accept those calls as I am in school. Looking at my call log, I am realizing that they call at the exact same time every day at XXXX, XXXX, or XXXX XXXX. Please help me in stopping these calls.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I sent all three credit bureaus a certified letter, requesting this closed account from XXXX XXXX  from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

This is my FOURTH time writing in about this scumbag company. Reference complaint IDs XXXX and XXXX. 4 times? What is wrong with these people? Are they being fined? THey should all be FIRED for complete incompetence. My balance is still wrong! After 4 months, complete XXXX  at SPS Servicing. If  everybody was fired here, I'd smile ear to ear. I should not have to complain and waste hours resolving something that I've NEVER had to do in my life. THese people are misrepresenting balances owed which gets reported to credit reporting agencies. That is FRAUD. I'd like to talk  to the head of this company as this is out of control and people need to be fired here to make an example. As of this writing, they still have not applied my XXXX payment to my balance despite having shown they received my payment. They also reflect next payment due on XXXX when in fact it should be advanced to XX/XX/XXXX if they received payment!
Consumer complaint received 2015-06-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Nations Recovery Center (NY)

Nations Recovery violated several debt collector laws. XXXX. They never verified if they had the correct person when they contacted me and gave personal debit collection information without verifying if I was the correct person. XXXX. The person never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. XXXX. I asked for verification of debt and he stated he would not send it. XXXX. He lied about laws of NY State debt collection and stated to me they will go after MD for XXXX years and not the 7 year limit since date of first delinquency. He also stated he gets money from people that are XXXX from their social security income 70 % of the time after they die. After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away
Consumer complaint received 2015-05-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: APPLE RECOVERY, LLC (CA)

I was contacted by phone at my work place on XXXX/XXXX/XX/XX/2015 by AppleRecovery attempting to collect on debt I do not owe. The call was very threatening in nature, and I was told this debt was not covered under my bankruptcy. They also sent a debt collection letter to my home address dated XXXX/XXXX/XX/XX/2015 trying to collect the same debt.
Consumer complaint received 2017-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (TX)

I have been paying on my loan of {$48000.00} since XX/XX/XXXX. its its XX/XX/XXXX and the balance is still {$47000.00}. When I call The company for the total interest I owe on the loan they say they cant give it to me. My interest rate is only 3.375 % the lowest but on some payment my whole payment went to the interest and not the principle. I have paid a total of like {$17000.00} according to my calculations and {$13000.00} in interest alone. 
The company says I have only paid a total of {$15000.00}. I disagree but this is what they say
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK (GA)

Midland Mortgage has been consistently reporting my mortgage to the major credit bureaus incorrectly. My insurance and taxes is not a note that should be reported, just the loan amount that I am paying back. I have been speaking with them since XX/XX/2015, and nothing has been rectified.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I sent all three credit bureaus a certified letter, requesting this closed account from capital one from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent all three credit bureaus a certified letter requesting that this closed account from XXXX XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the  bureaus must respond to consumer disputes in a timely manner.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I contacted all three credit bureaus via certified letters, to have this XXXX XXXX closed account removed from my credit reports. I have not heard from them and it's been 30 days now this is not compliant with the FCRA law that holds the bureaus responsible for responding to consumers within a timely manner. This closed account has caused stress and my credit score to decrease drastically. I am in a financial hardship and am a single mother. 
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Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX  hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (HI)

Plaza Home Mortgage company sold my loan and did not notify me of the event, I have auto pay and been watching my bank account and I noticed no payment, I called them and at that time I was told that my loan was sold to another company without any notice sent to me, XXXX XXXX was the new company I was told. My complaint is why is there no personal contact informing of such transactions, If I wasnt watching my bank account I would never of known about the transfer/sale of my mortgage
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.
Consumer complaint received 2019-01-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (CA)

I informed them that I am unable to pay back the amount at the moment and I can no longer receive personal calls at my place of employment and they continue to call me at work and are jeopardizing my employment. On XX/XX/2019 at XXXX XXXX  they called my place of employment and asked to speak to my immediate supervisor.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NVR INC. (MD)

My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from NVR Mortgage that our mortgage was sold to XXXX XXXX   XXXX. On XX/XX/XXXX NVR reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. NVR Mortgage reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX XXXX XXXX  report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX NVR Mortgage reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX  XXXX not NVR Mortgage Company. I have requested for NVR to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.
Consumer complaint received 2019-01-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am filing a complaint against Equifax for their continued willful and negligent noncompliance to fix erroneous information on my credit report. Despite three written request, Equifax remained uncooperative only responding to one of my requests and disregarding the other two. Also the response sent was a letter stating the disputed inaccurate accounts were " verified '' with no documentation to support the method of verification or accuracy of those accounts. The FCRA law is clear regarding my rights on how a CRA is supposed to investigate a dispute within 30-45 DAYS, which Equifax failed to do. This has caused me great credit damage because I have been denied credit on numerous occasions and been charged high interest rates due to the incorrect information on my file. I hope this matter can be resolved as soon as possible.
Consumer complaint received 2019-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (OR)

XX/XX/2019, approx XXXX XXXX PST. 

" XXXX '' contacted my mother, stating the call was about an investment I had made. Left callback number XXXX. Internet sources indicate this is XXXX XXXX XXXX, and that they have a history of illegally calling debtors ' relatives and employers and misrepresenting the nature of the call. 

My mother is not a party to any debts I may have.
Consumer complaint received 2019-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My mortgage became delinquent starting XX/XX/XXXX. I applied for mortgage assistance from the servicer, Carrington Mortgage, LLC. On XX/XX/XXXX, I was informed by Carrington that a XXXX XXXX XXXX was the investor on my loan. Then, on XX/XX/XXXX, I was consequently informed that the investor of my loan was XXXX XXXX XXXX and that my request for assistance was denied due to 'investor/insurer targets ''. It is unclear as to whom exactly my " investor '' is. 
Because of this, I am forced to look for legal representation to file a civil complaint against Carrington Mortgage for negligent misrepresentation.
Consumer complaint received 2018-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Yesterday XX/XX/2018 I contacted Transunion after receiving my credit report. It currently shows for XXXX during XX/XX/2018 I was over 30days past due on a vehicle that was in XXXX possession due to a mechanical trade in. A mechanical trade in that I still paid the car note on! I spoke to a " supervisor '' at Transunion by the name of XXXX or XXXX, a very rude, narcissistic person that does not appreciate her job by the way. She preceeded to tell me that I have to speak to a special handling department with the finance company to get my issue resolved. I asked what time were they opened she told me they close at XXXX EST. I told her there is no way for me to contact them during hours of operation. She told me she could request for them to call me no matter how many times i told her this will not work because I work and I requested for her to handle this issue through an internal request. She decided to ignore me and here I am still waiting to get this issue resolved!!!
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was looking on my credit report and found out there was some inaccurate information regarding my Capital One credit card history for XXXX through XXXX of 2020. I sent them multiply letters regarding this issue but they still haven't removed this inaccurate information.
Consumer complaint received 2020-10-05
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: The CBE Group, Inc. (UT)

CBE Group is reporting a debt, acct # XXXX on my credit file that is not mine, It looks like it's for a medical debt for a hospital I have NEVER been to. This debt is not mine and it needs to be removed off my credit.