davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On or about XX/XX/2019 XXXX and Equifax reported a XXXX , XXXX collection account against my file. After numerous failed attempts to discuss the matter with XXXX  I disputed the account with XXXX  by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the XXXX account with XXXX  and Equifax on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( XXXX.  File No. XXXX/Equifax # XXXX ). 

On XX/XX/2019 XXXX responded to my CFPB complaint stating that on XX/XX/2019 they directed XXXX  and Equifax to remove the account from my credit file and that they are no longer handling the account. A copy of XXXX 's CFPB response is attached. 

On XX/XX/2019 the XXXX  debt was still appearing on my credit file at which point I called spoke with a representative at XXXX explaining that XXXX directed the account be removed from my file as well as faxing to XXXX a copy of XXXX 's CFPB response. The XXXX representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 

As XXXX has directed the credit reporting agencies to remove the XXXX account from credit file and the agencies refusing to comply, XXXX and Equifax are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Outsource Group, Inc (FL)

On or about XX/XX/2019 XXXX and XXXXx reported a Medicredit , Inc. collection account against my file. After numerous failed attempts to discuss the matter with Medicredit I disputed the account with Medicredit by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the Medicredit account with XXXX and XXXX on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( XXXX. File No. XXXX # XXXX XXXX. 

On XX/XX/2019 Medicredit responded to my CFPB complaint stating that on XX/XX/2019 they directed XXXX and XXXX to remove the account from my credit file and that they are no longer handling the account. A copy of Medicredit 's CFPB response is attached. 

On XX/XX/2019 the Medicredit debt was still appearing on my credit file at which point I called spoke with a representative at XXXX explaining that Medicredit directed the account be removed from my file as well as faxing to XXXX a copy of Medicredit 's CFPB response. The XXXX representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 
As Medicredit has directed the credit reporting agencies to remove the Medicredit account from credit file and the agencies refusing to comply, XXXX and XXXX are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/2021, I submitted a dispute to XXXX  because they were showing my Wells Fargo Credit Card as a closed account. I never closed my Wells Fargo Credit Card and I asked them to change it to an open Status. This Wells Fargo Credit Card has a 14 year history and is accurately reflected on XXXX  and XXXX. I have never missed a payment and I have really good history with the Wells Fargo Credit Card. 

XXXX  did not change the status of my Wells Fargo Credit Card to open. They deleted the entire history. I no longer have my Wells Fargo Credit Card and the history on my credit report. This has negatively affected my credit because this card had a long history of on time payments. Without this history, my credit is not accurately reflected. 

On XX/XX/2021, I called XXXX about my credit history being deleted. XXXX  told me that there is nothing they can do and I have to ask Wells Fargo to send a report. I called Wells Fargo on the same day and they would not agree to send a report to XXXX. I simply want my credit report to be accurate. XXXX  caused the problem. They should fix it.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

They charge too much interest and they charge me a late fee when I submitted the payment on the payment due date. They didn’t want to help the consumer and I cannot afford to pay late fee of $XXXX plus their ridiculous interest charges meanwhile I do not make any purchases on this card and all I do is make payments.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I disputed some items on my Equifax Credit Report, on XXXX/XXXX/15, on XXXX/XXXX/15 I received another copy of the exact credit report that I already have, I feel that this is an attempt to delay the process and nothing is getting done, my disputes are still on my credit report.
Consumer complaint received 2024-02-10
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: Experian Information Solutions Inc. (CA)

I was checking my Experian credit report as of XX/XX/XXXX when I noticed that were was a hard inquiry made on XX/XX/XXXX regarding a new loan installment or bank account at XXXX XXXX XXXX. I have never been a customer at XXXX XXXX XXXX  before and I don't recognize this inquiry. I have reported already to the Federal Trade Commission regarding fraud. I would like to report fraud and identity theft directly to XXXX XXXX XXXX, and to request the bank investigate this matter and reverse the hard inquiry.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

I selected a Southwest round-trip flight for four, scheduled for XX/XX/XXXX-XX/XX/XXXX, XX/XX/2019. The total came to approximately {$2300.00}. On the check-out screen, there was an offer to apply for the Southwest Rapids Reward card by Chase. The promotion being offered was {$200.00} statement credit and a points bonus for spending {$500.00} in one month. The web site stated that my Chase credit card application could be approved in 15 seconds, and that I would be redirected back to the XXXX web site to complete my purchase and earn my promotional bonuses. 

I applied for the card, clicked " Submit, '' and within 15 seconds was taken to a screen stating my credit application was approved. The page stated that once I clicked " Continue, '' I would be taken back to the XXXX site, where my promotion would be applied and that I had 30 minutes in which to complete my ticket purchase. 

I clicked Submit, was redirected to the XXXX site, but nothing happened. The page hung and refused to load. I touched nothing, worried that if I clicked anything, I might not get the applied bonus. 

I waited five minutes, then called Southwest Customer Service, where they told me it was a computer glitch and that literally nothing could be done about it. I called Chase, and they told me the same thing. 

So now I have applied for a card and had my credit score pinged for a bonus I did not receive, as I still need to book the flight today and have no further use for the card. Southwest told me there was no way they could hold the flight, or credit me {$200.00} for it, and Chase told me there was no way to get my card number so that I could use it on this exact flight, as advertised. Southwest tried to blame my computer for the hangup, and Chase told me " we aren't XXXX XXXX, '' refused to offer an additional statement credit or any kind of courtesy for their glitchy process, and on top of it had the nerve to say there was no customer service issue. Obviously this is a bait-and-switch to get people to sign up for their card on the spot, a mistake I will never make again.
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC is committing fraud by claiming I owe them a debt, I never signed any contract with them, they can not legally validate that I owe them a debt, my name is not spelled in ALL CAPITAL LETTERS because that's a fiction and I'm a flesh and blood human being, I've reserved my rights under UCC 1-308, My Moorish Appellation is XXXX XXXX which is my free national name, this debt collector isn't the original creditor, and never loaned me anything, I have laws that protect me under the FCRA, specifically Section 609, I don't understand why this debt collector hasn't been removed from my credit file, unless multiple organizations are partaking in fraud, in which I can sue any organization that chooses to do so, I request your organization take action on this notice, if by chance you agree with the fraud and identity theft taking place by Midland Funding LLC, then I will also have to include this organization in my lien process as well, Midland Funding bought this debt from someone else. That's reason enough to remove this debt from my credit file because it doesn't pertain to me.
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

On XX/XX/2019 I requested validation of the debt from IC System ( tracking XXXX XXXX XXXX XXXX XXXX ) I still have not received validation of the medical debt and it has been well over 30 days. 

This account can not be validated 100 % legally and accurately and it needs to be deleted.
Consumer complaint received 2019-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Regarding Student Loan Account Number : XXXX My loan payments in XXXX and XXXX from bank withdrawal by Navient are not reflected correctly in my balance. 

There was an Interest Only Monthly Payment Agreement of {$460.00} with Navients XXXX XXXX [ Employee ID XXXX ] Per the Recorded Voice Conversation. 

With other interest, the very first payment was {$540.00}. This first payment was taken on XX/XX/XXXX. " Exhibit A ''. 

Recurring Payment of {$460.00} should be taken on XXXX day of every month, ending on XX/XX/XXXX. 

Navient Illegally took the Second Payment {$540.00} on XX/XX/XXXX. " Exhibit A ''. Thus, Navient Defrauded {$78.00} from my Bank Account. This is not the first time, Navient engaged in a Pattern of Fraud, since XXXX. 

I called Navient on late XX/XX/XXXX, I changed Navients billing from Debit Card to Checking Account. Navient said that would be OK. 

The third payment is {$460.00} was taken on XX/XX/XXXX " Exhibit B ''. 

Navient continues to Defraud and Create a Fraudulent Loan Balance with Late Fees " Exhibit C '', even after taking Illegally withdrawing Excess Funds of {$78.00} from my Bank Account Navient also reported Fraudulent Student Loan Balance to all Credit Reporting Agencies.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I currently have a credit card with XXXX and two credit cards with capital one. I recently went to apply for a loan and was surprised to hear that nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.
Consumer complaint received 2019-10-10
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: DISCOVER BANK (NJ)

In Response to CFPB Complaint # XXXX " Discover is  not responsible for the quality of the service. " ... Uh, no.. But the merchant is!!! That's why customers have the ability to dispute charges they authorized.. Hello!!! Customers can dispute charges they authorized based on what they paid for not being received. And I paid for both food of high quality and service ... We received neither!!! Eating two or three bites of an entire meal, is nowhere even near the same thing as eating most, or even HALF of the food and asking for a refund!! Discover may not be responsible for the quality of the merchant 's service, but it's their job to force the merchant to credit the customer if the service was not delivered!! This is part of Discover 's job, to protect the customer. No different than if fraud was involved. And this was fraud if you ask me!! All Discover had to do was send them my statement and tell them they were in my favor ... But no. Naturally, it was in theirs.. The merchant 's, as always. It's never in favor of the customer 's!! This is completely unacceptable, and I will give Discover one more chance to credit my account for the {$70.00} charge ...
Consumer complaint received 2019-10-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Received a letter XX/XX/2019 saying Notice of Sale of Ownership of Mortgage loan. 
XX/XX/2019 I received a foreclosure letter from XXXX XXXX XXXX a foreclosure attorney saying the sale date for my home is XX/XX/2019. The Mortgage Transfer of Ownership Notices / The Truth in Lending Act requires the borrower is to be notified in writing of the owner or assignee within 30 days after the loan is sold. I was notified within 30 days. I have also request mortgage assistance for my delinquent mortgage.
Consumer complaint received 2019-10-10
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. (FL)

EXPERIAN, XXXX  AND XXXX ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX NOT MINE XXXX XXXX XXXX NOT MINE XXXX XXXX- NOT XXXX XXXX XXXX XXXX- NOT XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX- NOT XXXX XXXX XXXX XXXX - NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX - NOT MINE
Consumer complaint received 2019-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TRANSUNION AND XXXX  ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX NOT MINE XXXX XXXX XXXX NOT MINE XXXX XXXX- NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX - NOT MINE XXXX XXXX XXXX - NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX - NOT MINE Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX/XXXX - NOT MINE
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (IN)

I have been paying American Credit Acceptance for a year at XXXX a month. When I noticed that my loan hadn't decreased in a year. So I pulled my paperwork out. That's when I realized I was paying 26.6 % interest rate. The loan was XXXX the interest rate amount is just under XXXX. I was told my interest rate was going to be in the 18 % range. I was told my loan was XXXX. It was never explained that after it was all said and done it was going to be XXXX. For a XXXX  vehicle!! I have continued to pay only to be getting no where. And when I fall behind, I am threatened with repossession ( which happened once already and I paid almost XXXX to get it back ). I don't have the best credit. But the car only values at XXXX. Which is the down payment I put down. I had just been in an accident. I was in a bad spot and feel like I was taken advantage of and lied to by XXXX and American Credit Acceptance.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I have had a mortgage on my condo in XXXX XXXX FL for many years, and in recent years it has been serviced by Rushmore Loan Management Services of XXXX CA. 

Recently, I had enough money to pay off the loan in full so requested a payoff statement from Rushmore. They sent me one, dated XX/XX/2019, indicating that the total amount to pay the loan in full would be {$4600.00}, provided the funds were paid before XX/XX/2019. 

I paid them that full amount of {$4600.00} on XX/XX/2019. The next day, I checked the online loan system and it told me that I owe another {$350.00}. I raised a query on their online messaging system on XX/XX/XXXX and got back a response saying only the query was under review. I chased it with another online message on XX/XX/XXXX, and got back a message saying I should call them. 

So I called them today XXXX XX/XX/XXXX ) and they left me on hold for a very long time, attempted to brush me off with unconvincing explanations, and then only when I persisted, agreed to submit a " request for research to their cashiering department ''. But they are still unable to resolve the situation or give me a firm timetable for resolution. 

It's very simple - I paid the full amount in their payoff statement and I paid it on time. They need to acknowledge that I don't owe them any more money and they need to stop giving me the runaround. This loan should have been completed already.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: International Computer Systems, Inc. (IL)

On XX/XX/2019 I contacted XXXX XXXX XXXX to discuss a utility bill I saw that they were collecting on listed on my credit report. I have never received anything in the mail in regards to this account from First Collection Services. I spoke to XXXX who was very rude, he did not read the XXXX XXXX, just said " we are discussing an account that you owe money on '', he never verified who I was just rattled off the information on the debt. I asked about settlement and he said XXXX does not do settlements, that I could offer something and they could see what the client ( XXXX ) said. He then informed me that I could go to jail if I did not take care of this debt. At that point I hung up.
Consumer complaint received 2019-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Navient 's deceptive practices relating to forbearance and IBR re-certification has directly caused over {$40000.00} to be added to my principle balance. Additionally, Navient has refused to provide any information or viable justification for its actions.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
Consumer complaint received 2019-10-10
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)

A re-investigation dispute was made to Transunion on XX/XX/XXXX and 30 days prior to that the initial dispute that the erroneous information had not been DELETED from my credit report : XXXX XXXX in the amount of {$7200.00} original creditor XXXX XXXX XXXX. The entire account is reported in error and neither Transunion or the original creditor has provided any legal contract proving that this is my account was authorized by me.
Consumer complaint received 2016-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

I had a Mortgage with Citi Mortgage with a balance of {$230000.00} as of Statement date XXXX/XXXX/2016. At around this exact time I refinanced my house and a Check was mailed out to Citimortgage Inc. for the amount of {$230000.00}. A refund for the over payment of {$1400.00} is due back to me. Several Calls to Citimortgage have been to no avail. They have refused to send me a refund check. It 's been over 60 days since the over payment. 
Please help me recoup this over payment.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUEBILL, INC (CA)

I tried to use Rocket Moneys bill negotiation service but my bill ended going up! They want to claim I was on a promotion but since I was on the XXXX program, there was an automatic plan offered by my internet provider once it was discontinued. I even showed Rocket Moneh proof my bill went up. I cant afford to pay Rocket Money for a bad negotiation!! They ended up raising my bill and now they want {$100.00} for a bad faith negotiation.