davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

On XX/XX/2023, I paid off a credit card with XXXX XXXX. It was never updated on my credit report. On XX/XX/2023, I paid off a revolving credit account, it was not updated on any of my credit reports. Interestingly enough, credit increases are reported immediately but credit decreases take upwards of 30 days to update. 

Also, all three of the credit reporting agencies ( XXXX XXXX, XXXX and Equifax ) report very different credit scores for me, as does XXXX XXXX. I had to contact all three credit reporting agencies as well as XXXX XXXX to update my scores. They are not updated. The house I am renting is going on the market. I need to continue to repair my credit so I can rent a new apartment or find a lender who will approve me for a mortgage. I'm tired of waiting three months for credit reporting agencies to reflect positive changes on my credit report and the hours I need to spend on the phone just to have an accurate reflection of my credit rating. I'm doing my best after major XXXX and a global pandemic. Credit reporting agencies need to do better and stop discriminating against consumers.
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

This is a copy of an email I sent to the servicer this morning XX/XX/XXXX : Good Morning, I am having a hard time understanding your practices when it comes to loan servicing. Information relayed between representatives to myself was not clear and concise. 

I changed my payment plan to be to a Graduated Repayment Plan on XX/XX/XXXX, notice of approval on XX/XX/XXXX with payment schedule attached. When I did this I was not told I was still under the umbrella of an IBR ( today was told this XX/XX/XXXX ) from XX/XX/XXXX. I was told that a part of my loans were out of deferment time, and payment would begin on XX/XX/XXXX. I was sent a letter saying my in-school deferment was approved ( XX/XX/XXXX ) and this was Moring was notified that my loan payments under IBR was increasing and my payment was due on XX/XX/XXXX to {$430.00}. Still nothing that there is a payment due on XX/XX/XXXX. 

I want to know, how, with all the letters stating my payment are staring on XX/XX/XXXX, I have a payment past due on XX/XX/XXXX, the I was NEVER informed of. Then to have the representative tell me I need to have a forbearance to have this payment put on hold. I declined the forbearance because I should not have to do one when there shouldnt be a past due balance to begin with. The representative told me it will be corrected in the back office, with an advised date of XX/XX/XXXX, however, my payment will still show delinquent, until it is fixed from the back office. Then in XX/XX/XXXX I can resume my XX/XX/XXXX payment on the Graduated Extended Repayment Plan. The representative kept reiterating that they are two days past due, and no late charges or credit reporting has been done. This does nothing for me because there should not have been a payment due. 

I should not have had to go through this in the first place. This was ridiculous and an inconvenience. This needs to be fix ASAP. There is a disconnect in information and how it is processed. I have attached the e-correspondence pertaining to this situation. 

I look forward to your replay as to why this has happened.
Consumer complaint received 2020-07-30
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)

Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted/signature received ( USPS #  XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX XXXX XXXX 
# XXXX
Consumer complaint received 2019-04-14
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX
Consumer complaint received 2023-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

In XX/XX/, I called in and set up a payment arrangement with XXXX XXXX XXXX  for a total of {$50.00} originally, then $ XXXX month afterwards, in which, then my account balance was on {$550.00}. The representative that I spoke with, a female, acknowledged the arrangement as she tried to get me to make a payment of {$110.00} on that day. I told her that I did not have that amount on that day, but I would happily make the {$50.00} payment, and the {$100.00} payment in the following month. The following week, I received a call from a male representative from XXXX XXXX XXXX  asking for a payment, I advised him of the arrangement that I had made the previous week, in which he denied seeing in their system and he even stated that XXXX XXXX XXXX  does not offer payment arrangements, although on my XXXX XXXX XXXX  app, it states to call them if there is difficulties making payments, in which I attempted to do. The following week after I had spoken to the male representative, I discovered that my whole account was locked. the last contact with XXXX XXXX XXXX  was a paper statement in XX/XX/, asking for a payment of {$61.00}, although my account was locked by then. In XXXX, XXXX   upon my last availability to access my account, my balace was on $ XXXX. In XX/XX/, I started receiving debt collectors letters from a company named XXXX XXXX XXXX XXXX who said that they were a debt collector, trying to collect a debt for LVNV for {$940.00}, a company in which I had never had business with, nor have even heard of. Upon checking, it states that LVNV was a debt collector, attempting to collect a debt for XXXX XXXX XXXX. As time goes by, I started receiving the same letters from a company called Resurgent Capital Services, who is trying to collect a debt for LVNV Funding, LLC on behalf on XXXX XXXX XXXX. I am disputing the amount of the debt, I am disputing the companies involved, in whom I've never had any business with. I'm not an expert by far, but this look very predatory to me. How does my account go from the {$600.00} 's, to lock, then to debt collectors, trying to collect debt for one another for {$940.00}?. How does my account continue to grow interest and fees when it's " closed. ''
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (OH)

I tried a couple of months ago to get the daily APR reduced on my Chase credit card because the fees equaled a monthly credit card payment. No luck. Skip forward to today, I fell behind two months and absorbed a tremendous amount of interest plus late fees. I talked to a service representative on XX/XX/2023 and he got the two months of late fees reversed but he said the request to get the interest fees reversed were declined. I checked my account this morning and found that a little amount of interest had been reversed. I have been told that interest charges can not be reversed or refunded but that is a lie. Chase is one of the worst banks to work with and should be fined.
Consumer complaint received 2019-04-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (MI)

I receive 4-6 calls a day from this company, the first time I answered the phone to ask them to validate the debt is mine the collector asked you are XXXX XXXX? this is your debt! if you do not pay we have means to sue you after that I never answered another call. I blocked one number and I have now been contacted by 2 more. I dont like to be threatened or harrassed when all I was doing was exercising my right to prove that this debt is mine!
Consumer complaint received 2019-04-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (CA)

I am receiving emails threatening to sue me as well as charge me with Bank Fraud Violation of Federal Law of Debt and Banking. Intentional Theft by Deception. 
I've never received anything in written handwriting only an email. I had XXXX on this quite a while ago about a year ago XXXX XXXX and now we're sending me threatening emails.
Consumer complaint received 2019-04-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC (MI)

I received court documantation in regaurds to a vehicle that was sold to me stating that I am being sued for the balance of the vehicle after contacting the financial institution for a voluntary repossession when the vehicle having multiple issues from purchase finally broke down completely. My initial complaints weren't submitted to Gateways Financial 's representatives but to the dealer and to my salesman. It wasn't until later, after I'd gotten nowhere with the salesman as we couldn't agree on a time and date because of my work schedule and my at the time pregnant misses and our appointments that I expressed my displeasure with the representatives of the company by way of phine and email on how I'd been sold an unfit vehicle that had not been given it's multi-point inspection after being told by my salesman it had to ensure it's safety before the vehicle was sold. After performing my own inspection of the vehicle when winter finally broke and was able to do so is when I dicovered the issues that could have left me or my family seriously injured or deceased. Pertaining to the outer tie rod ends as they control steering. When one fails, the tire, if it's the front driver side slams extreme left, the front passenger side slams extreme right pulling the car in that direction and if not acted against immediately meaning would either send the vehicle and it's occupants ( myself or my XXXX lady ) into oncoming traffic or into a ditch, tree, embankment, etc. at 55 miles an hour as all main roads leading to towns are posted at that speed limit. I also submitted my at the time address of which the vehicle was located for pick up after the fuel pump expired expressing to the representatives that after all that had transpired up to the fuel pump failing that with a XXXX an at the time XXXX year old and my misses being out of work for 6 weeks recovering from a XXXX XXXX that I wouldn't be able to continue financially with repairs and a payment. Even after Gateway 's attempt to refinance me at a lower rate it still would not have been possible to pay for repairs, car payment, housing costs amd utilities with all that was going on..
Consumer complaint received 2023-10-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MI)

On XX/XX/2023 I received a credit notification that a collection had been placed on my account by XXXX XXXX XXXX Credit Management , INXXXX for a debt owed. 

The debt in question was unauthorized and done so in a fraudulent manner without my knowledge or consent. 

I had a similar issue occur a few months back with XXXX XXXX and filed a police report regarding the identity theft and fraudulent charges. 

I am not legally responsible for this debt and request it be removed from my credit report immediately. 

I have filed disputes with XXXX XXXX, and XXXX. I will also be filing formal CFPB complaints against XXXX and Credit Management , INC.
Consumer complaint received 2019-04-13
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. (NV)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association (TX)

XXXX- Requested Debt Validation per XXXX Finance Code 392.202. 

XXXX- Violation of XXXX finance code. No one responded, sent another letter to cease the collection activity. 

XXXX- No response, and still reporting to 3 Credit Bureau 's .
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX US Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was scammed through XXXX of the amount of XXXXXXXX XXXX on the dates of XX/XX/XXXX through XX/XX/XXXX and my bank couldnt give it back to me. The person already told me they werent giving it back and I dont know what to do. I dont have screenshots because I blocked them after they threatened me. Thanks a lot Huntington.
Consumer complaint received 2019-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I consolidated my federal student loans in XX/XX/XXXX and have been working in public service ever since. There has been several times when the loan services has placed my account in a deferment status, without my knowledge or consent. 

I requested that the deferment be removed from my account in XX/XX/XXXX and was informed by my loan services that it was and that I was in a payment status. 

The only reason I had requested to have my loans placed in a deferment status ( for XX/XX/XXXX-XX/XX/XXXX ), was  because I was in XXXX Basic ( XXXX XXXX ) and could not call to facilitate my loan payment setup within that initial 8 week period. 

I was told that the account deferment was stopped, only later to find out that the services had failed to stop the deferment. 

I have been working in public service for nearly 11 years and request to receive credit for ALL time/payments that were made in XX/XX/XXXX. 

Thank you for your assistance in addressing this matter ; please contact me if additional information and/or clarification is needed
Consumer complaint received 2019-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I want to sue this bank for discrimination they treat me horrible wont allow me to bank with them at all I apply for a chase prepaid any product they refuse this is not fair I have dont nothing wrong they are the ones at fault I want to sue them I need address and to know what I have to do my identity has been stolen and I cant bank with them I want to sue them I need to know where I have to go and the process
Consumer complaint received 2018-04-11
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: Riverwalk Financial Corporation (GA)

I received a call from XXXX XXXX stating that XXXX XXXX XXXX was reporting on my credit report as in collections. The amount shown to be in collections is XXXX. The address of XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX, Tx XXXX and their telephone number is ( XXXX ) XXXX. I do not know who these people are and after speaking with them they could not verify any information. Please have them delete my information from XXXX.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Im really feeling so bad with the bank is about my real legal whole name doesnt fit on my card and account. They cut my name on my account/ card. It is hard when i have problems with banking they cant find # easily ask me toooo many questions wasted my previous time. 
When i do deposits by check the fund is not ready to use even the teller told me you can use immediately. It always happens I dont remember exact dates. 
Also making deposit used by ATM big currency isnt acceptable. I always need to wait branches business hours and stay in long line. 
Another issue is money transfer to my another bank account. It doesnt transfer fund immediately, stuck between 2 banks. The bank didnt fix problem 2 ; 3 weeks. I need that transfer immediately i was disappointed I couldnt pay my bills on time there was late fee because of mt money stuck I couldnt use it.
Consumer complaint received 2019-04-13
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (MD)

I have two accounts with CITIBANK that at times go below the {$1500.00} minimum balance and I get hit with multiple low balance fees that at times can be as high as {$XXXX}!
Consumer complaint received 2019-04-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

I borrowed XXXX. The interest is sky high. I will have paid them XXXX at the end. I have borrowedfrom other companies and only paid back double or a lil more than double. Power Finance in Texas is charging me 4 times the amount I borrowed.
Consumer complaint received 2019-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Around XXXX I got messed up with XXXX  XXXX and they cancelled my home insurance. I was not made aware of this until XXXX At that time i went and purchased insurance from XXXX XXXX for my residence around XXXX was notified by mortgage company ; [ flagstar bank XXXX XXXX XXXX Arizona ] that  they needed a copy of my home insurance which i sent to them. they sent a response back and said they need coverage for the XXXX thru XXXX or they would provide forced insurance for a past date, they offer for me to get myself however no insurance company will provide coverage for past dates> They have shown a negative amount in my mortgage account for this forced insurance for past time when nothing happened and when certainly i cant get coverage for a past time occurance is this legal the forced insurance amount is {$1000.00} which provides not benefit to them or me? Since the forced insurance company is a subsitiuary of the bank it is a method to make money in house with no risk There is no doubt my insurance lasped however i corrected as soon as i was made aware of this and doesnt this qualify for taxation without representation too? >
Consumer complaint received 2018-04-11
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)

Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the XXXX breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (CA)

I tried to see my last monthly statement and after my log in data were automatically entered, it said that my password is wrong and to click the link saying that I forgot it ; after doing that, it said to enter my full social security number which I did correctly.After that it said that it is wrong number and my access to BBVA site is locked, with suggestion to call a toll-free number, which I can not do from where I am here in a foreign country without access to any regular phone to make a direct call from here ( I am now in a remote countryside of XXXX XXXX XXXX. 
The only way to reach me here is by internet or by calling my mobil phone at XXXX if I will be in an area with good reception. 
My last 4 digits of my account are XXXX With anticipated thanks, XXXX XXXX, cardholder