davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Equifax , Inc. never thoroughly investigated my compliant under the FCRA & FDCPA. 
-- -- -- -- -- -- -- Equifax , Inc. continues to report XXXX on my credit file even after I provided verifiable evidence ( see attachment ) of XXXX deliberately responding to my certified debt validation 30 days after the time period allowed for creditors to respond. 
-- -- -- -- -- -- -- On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

On XX/XX/XXXX and XXXX, 2023 my Rewards account was hacked and {$2000.00} was supposedly sent to my XXXX account. Nothing was ever received. On XXXX XXXX I noticed the hack and reported it to USAA who said they would investigate. On XX/XX/XXXX I spoke to XXXX who said I would get reimbursed (? ) I was not clear on what she said she would do but she said it would happen the next week. Shortly I saw emails from USAA Rewards coming into my XXXX account. Fortunately she called at the same time and I asked what was happening. She said I was getting the e-cards replaced. I told her to stop because I never ordered any cards. In the 25 years + I have never redeemed a penny from my USAA Rewards account. 
From the initial investigation to now, USAA says there was no fraud as the e-cards were sent to my email. I asked who ordered them and did they actually get sent to my email and where were they tendered? Only THE BANK knows and nobody can call them or email them or contact them in manner! If they thieves were able to hack my Rewards account, are they savvy enough to have them sent to another account that shows as my account? If I received the first e-cards, why would USAA send me another set? They would have {$4100.00} in liability instead of {$2100.00}! From the first conversation to the last, over 25 hours, I have stated that I never ordered anything from USAA Rewards. I dont use the merchants that the e-cards were for. I dont even know what or how to use an e-card! My USAA card says I am not liable for fraud but in person they say USAA Rewards is separate from USAA Visa credit cards and part of THE BANK which nobody can contact! I dont receive Rewards unless I use my card, seems like they are connected! 
If this happened to me, how many other accounts were also victims? If the trail says the cards were sent but not used, USAA is the winner! I want USAA to examine their system and find out how the hackers are accessing their credit card rewards accounts. I would like my account to have the e-card amounts replaced and have the confidence that it wont happen again. 
Thank you for your assistance! XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MS)

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
794.901 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$4600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$1400.00} This is a rip off
Consumer complaint received 2018-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I am a 16 year XXXX XXXX Veteran. I completed my XXXX XXXX while serving XXXX XXXX. I had XXXX subsidized and unsubsidized Stafford loans consolidated. South Carolina XXXX XXXX XXXX XXXX duplicated my loan amounts when I consolidated. My balance is double what I should owe. 

Deployments, moves, and life has happened over the years. I sent in a audit letter in XXXX, contacted them XXXX XXXXXXXX. I provided them with copies of my military orders ( XXXX Act, loan rate should have been decreased ). I placed the loan in forbearance, allowing them time to fix the issue. In XXXX I was notified that my account was given to the current holder XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Account .... 
Phone calls and letters to the Loan provider has not resolved this issue. Looking to gain your assistance to get my loan balance corrected, and lower interest back dated.
Consumer complaint received 2020-07-31
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. (GA)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$460.00} XXXX XXXX {$470.00}
Consumer complaint received 2018-08-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (CA)

XX/XX/XXXX at XXXXXXXX i received a phone call from XXXX XXXX from XXXX XXXX XXXX saying they are calling to collect a debt of $ XXXX from a pay day loan i got back in XXXX. I asked them to send me paperwork something in writing and she replied that my opportunity for " discovery '' was over and she would send the police to my job and they were going to garnish my wages. I tried to explain that the debt was paid and i could prove it and again was threaten with send cops to my job. She also said she would be contacting my boss at that point I asked to speak with a supervisor and was told that i was speaking to the supervisor and she hang up. Same day at XXXXXXXX   she called my job and told her there was no need to call my job she had already spoke with me and she yelled " ill just call corporate '' and hang up. I checked my past emails and the debt was completly paid besides {$15.00}. How does {$15.00} turn into {$4000.00}. When i called back to try to inform them of this i was immediately placed on hold for 30 minutes. Around XXXXXXXX same day my brother calls me informs me XXXX XXXX XXXX had just called him. Why would they call my brother when they had already spoke with me? I have tried to call this company and they must have caller ID because i call the phone picks up no one says everything and im placed on hold. Cant believe companies are allowed to behave like this.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've been paying {$100.00} each month on my capital one credit card but it doesn't affect my balance. My balance continues to rise even though I keep paying on time, so I'm not making any progress toward paying of this credit card. I'm fighting a losing battle ; I've tried to negotiate with them, but it hasn't done any good.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNCOAST CREDIT UNION (KY)

I discovered these accounts on my credit and they do not belong to me. Ive reached out to the company several times! 

1.XXXX XXXX XXXX XXXXXXXX {$810.00} 2XXXXXXXX XXXX XXXX XXXXXXXX {$170.00} 3.XXXXXXXX XXXX XXXX XXXXXXXX {$15000.00}
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I entered into a home preservation program with Wells Fargo in XXXX. I made payments through XXXX. The payment amounts were approximately {$1000.00}. I had to make my payments by phone to XXXX XXXX at XXXX Ext : XXXX according to Wells Fargo preservation program. I could not make the payments on line. I did not receive a mortgage statement, and the online account did not reflect the proper credit from my mortgage payments. I complained and was told that it was because I was in this program. The Wells Fargo statement I have attached I downloaded from the Wells Fargo website because I have not received anything from Wells Fargo mortgage in the mail since XXXX. The statement reflects that the mortgage payments were approximately {$1200.00} but the documentation I received from the preservation program reflected the mortgage payments to be {$1000.00}. My house flooded in XXXX and XXXX. In XXXX I sent a request to Wells Fargo asking for assistance from the flood and also stating that I would be late on my XXXX payment and possibly my XXXX payment because I needed the money to payment for items that lost during the flood - a mattress, etc. Today I called to make my XXXX and XXXX payments and was informed that I was 6 months behind on my mortgage payments and that my house was in foreclosure. I never received anything in the mail about a potential foreclosure on my home. I recently took a hardship withdrawal from my retirement plan to make the repairs on the basement, so why would I ignore payment notices, foreclosure notices, phone calls, etc. I didn't ignore them, I never received them.
Consumer complaint received 2017-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

I called to request a loan modification and was told by an agent that I did not qualify for a loan modification, and in order to do so I would have to stop making payments in order to qualify for a short sale or a deed-in-lieu. 
I began completing paperwork to begin the short-sale process. While doing so, I stopped making payments, as advised. I listed my house for sale with a real estate agent, and have since gone under contract for {$100000.00} which is roughly {$7000.00} over the payoff amount of the mortgage. 


Whenever I forward the information to Ditech, they tell me one of the following, in various orders : ( a ) they have not received it ( b ) its not complete ( c ) its the incorrect form ( d ) its nothing that they can do ( e ) they are not going to do anything to change the foreclosure date I have never been able to complete the paperwork, according to ditech even though I am constantly following up with them. Ditech 's representatives make it entirely too difficult to complete the paperwork, as most of it is not available to be done via a webapp and it 's hard to verify or confirm whether or not they have truly received my paperwork via fax and/or email. I have even heard that my emails are too hard to read so they have thrown them out. My real estate agent and I have both pleaded with the company telling them that we have offers far above the payoff amount of the loan. It seems that the mortgage company is more interested in foreclosing on my home than they are with actually helping me to sell it.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (TX)

On XX/XX/XXXX I have received a debt letter in the mail. I didn't recognize the debt and emailed the company email that was on the debt letter to dispute and 5 days later the company trying to collect a debt hasn't notify me proof of debt and still contacting me to collect a debt with two text messages. 

XXXX is the email on the debt letter.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL ()

Additional information for CFPB complaint # XXXX about PAYPAL CREDIT, XXXX XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/2018, PAYPAL responded to CFPB by stating that the complaint does not belong to them. 

However, as per information from PAYPAL the account was charged off and transferred to XXXX XXXX, XXXX See attachment.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a disput to XXXX stating there were errors in the two bankruptcy entries I have on file.  I responded to the courthouse and they gave me the correct dates which were reported wrong by XXXX.  I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate.  I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX , but then the same inaccurate information reappeared on XX/XX/XXXX.  No proper investigation in my opinion was done and they should delete.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I submitted a disput to XXXX stating there were errors in the two bankruptcy entries I have on file.  I responded to the courthouse and they gave me the correct dates which were reported wrong by XXXX.  I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate.  I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX , but then the same inaccurate information reappeared on XX/XX/XXXX.  No proper investigation in my opinion was done and they should delete.
Consumer complaint received 2018-08-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

Borrower experiencing hardship since XX/XX/2017 but found that property was not marketable at a price that would satisfy loan in full so started the short sale process. Property was under contract with 'conventional loan ' purchaser. Due to the lengthy process buyer asked to be released from the contract. Parties were told that HUD denied the offer because of the 3 % closing help but we were told later that file was denied because short sale application package was not complete. Meanwhile, Seller relocated thinking they were closing because nobody could get the story straight and XXXX XXXX   vendor took possession of the property by cutting AGENT lock-box off and winterizing the property creating a whole NEW set of issues as property went back on the market but not able to perform home inspection. Went under contract again but XXXX XXXX ( sub-servicer of LAKEVIEW LOAN SERVICING ) closed file on a CASH OFFER due to not having proof of funds when they were contacted 2 weeks prior to submitting and were told sale was contingent upon sale of existing home within in weeks of offer. Meanwhile, Buyer was able to prove they had had funds but made them start the process ALL OVER FOR THE 3rd time - RIDICULOUS! They continue to lose documents provided so proof of funds have been given to them multiple times and now they say they expired. Have never once spoken to point of contract nor have they ever returned our calls. Communication HORRIBLE. This buyer is now asking to be released if no approval by Thursday. NO MORE EXTENSIONS TO CONTRACT. LAKEVIEW has no employees, recorder instructs you to pick # for sub-servicer. (??? )
Consumer complaint received 2021-06-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I signed up for a Citi Miles Ahead Savings Account after receiving an email with a promotion. The promotion states that if I opened a new savings account with {$10000.00} and kept a minimum balance of {$10000.00} for 3 months, I would received XXXX AAdvantage miles. After the three months I still had not received the reward. I contacted Citi multiple times through their online chat and the reps told me I just had to wait. That it would take 2 billing cycles after the 3 months for me to receive the reward. The last time I contacted them, the rep said they were submitting it to their research department to find out what I had yet to received the mileage reward. They have now contacted me and their conclusion is there was no promotion running. What?? I have it in writing from their representatives telling me I was signed up for it and that it was just a matter of waiting for the points to post. Then all of the sudden, they conclude there was no promotion. Citi is an absolute disaster. There were multiple other issues along the way with this savings account and this just the latest debacle with this joke of a company.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (RI)

I have 3 credit card accounts that I accumulated late fees due to XX/XX/XXXX XXXX making my payments late. Two of these waived the fees and I thought that meant it was WAIVED period. I then deducted the fee amount and paid the balance required for the month. I contacted all 3 and the 2 I tried resolving said, even though I said I was never told such, the fee and interest to boot is applied to my balance thereby increasing my next month 's payment substantially. These 2 accounts are one with Walmart and one with XXXX XXXX. Synchrony Bank at this time is looking into the Walmart account. The XXXX XXXX is XXXX who specifically said only 1 waiver a yr can be. I sent a letter to their dispute office ( md. ) on XXXX and never received a response. I spoke today with them and there are no phone # 's to reach anyone, I was told to do what I had to. I have several traumatic XXXX XXXX and receive limited income on the 3rd of each month and mail all bills the same day or a few days ahead, but dated the 3rd. If an individual is consistent and I also changed all payment due dates as well to avoid any issues in the future, and can not pay a late fee, how can they then pay an additional one plus interest that these companies decide will be added to the balance, but still increase a person 's monthly amount due. I never in my life heard of such a thing, if a courtesy was given a late fee was removed PERIOD, I am not sure what this type of thing is that is being done but it scams people out of more money and they are not giving their consumers any courtesy. I find this to be not quite fair or above board. I would like some assistance please as my ability to afford such is simply not there. Thank you XXXX XXXX
Consumer complaint received 2023-03-27
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. (NY)

I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX Account ( date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.
Consumer complaint received 2018-08-27
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. (OK)

Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says 11 XXXX / 11 XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.