davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates Experian XXXX report with no late payment and XXXX XXXX with no late payment
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

LVNV IS REPORTING A DEBT ON MY CREDIT FILE THAT I DONT RECOGNIZE AS MINE FOR {$550.00} DOLLARS FROM XXXX XXXXXXXX, AND REPORTING IT AS A NEW ACCOUNT ON MY FILE. I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCPA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARENOT REAGING SOMETHING ELSE. I AM ON XXXX AND MY INCOME IS FEDERALLY PROTECTED, SO I KNOW THE LAW.
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

Looking at the original loan amounts totaling {$37000.00} at 8.25 %, when using the loan calculator for a 25 year repayment plan, the amount should be {$300.00} a month. I have been paying {$360.00} a month which would be {$68.00} more than what I should have been paying. for the past 17 years, I would have overpaid {$820.00} every year for a total of {$14000.00} overpaid in 17 years. I have paid {$75000.00} towards my loans and am being told that I still owe {$23000.00}. How is it possible that I still owe that much money? I feel like I am being overcharged in this situation because my amount still due NEVER seems to go down. I realize that I may be off a little in all of my payments an things, but with everything that is going on with Navient being sued right now, I feel that I fall into the group that is being taken advantage of by them. I am looking for some sort of help in determining what options I have so that I am not paying these loans for the rest of my life .... I am a XXXX and tried for the XXXX  loan forgiveness, but they claim that I make to much money to take part in that. And my current loan information says that my loans won't be paid off until XX/XX/2026 .... I just don't understand how this is possible and am looking for help. Thank you.
Consumer complaint received 2020-07-29
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX  XXXX My phone number is XXXX
Consumer complaint received 2018-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EMBRACE HOME LOANS (MD)

A storm ripped through Maryland, downing a tree on our house. Several holes were put in our roof and many of the tiles were damaged. We had to have the entire roof replaced. Because of the cost of repairs, XXXX issued a check with both our name and our mortgage company 's name. We had to give them the check along with a notarized form signed by both our contractor and us. The check was for {$6800.00}. 

We submitted all of the paperwork to Embrace Home Loans 3 weeks  ago. The work has been completed and we still can't get our mortgage company to release the money. 

The issue, they say, is because we didn't all sign the form on the same day. 

Here 's what happened. 

We signed and the notary notarized it. 
The next day, the contractor left his work-site to sign it. and the ( exact  same ) notary notarized it. 

Finally, the notary notarized it at the end, showing that everything had been overseen and notarized by the same notary. 

Embrace says they can't accept it because it was notarized on different days by the two parties. We explained that our contractor is very busy and both my wife and I have full time jobs. In order for all of us to make it there on the same day, we would have to take even more time off work ( than we already did ) which will cost all of us more money. 

Bottom line is, the work has been completed. Everything is done. But, Embrace Home Loans is holding the money hostage. My lawyer friends say there is nothing about the notarized document that should allow them to keep the money. Worse yet, they have already cashed the check.
Consumer complaint received 2018-05-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (NH)

LTD Financial has been very aggressive in trying to increase my monthly payments. I have already paid over half of the {$19000.00} loan down, so am not trying to get out of what I owe. However as a single parent with other student loan payments I am doing the best I can and have explained that I can not pay more than I currently am. The company, specifically employee XXXX XXXX, continues to call me. She has been rude, curt and aggressive, telling me what I am able to afford is not enough. This is causing a significant amount of stress. Currently I pay {$270.00} a month but have been told that I now HAVE to pay {$370.00} a month. When I asked why this amount, I was not given a reason.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/31 through Wells Fargo Bank, my account was fraudulently withdrawn {$370.00} and {$370.00} by use of XXXX. One of the phone numbers used by the suspects belonged to an account within Wells Fargo. The account was opened briefly and multiple fraudulent transactions occurred through this account before being closed. My account was deemed compromised by the Wells Fargo security team and a migration occurred. My loss of {$750.00} was denied reimbursement by the fraud claims department, thereby breaching 12 CFR 1005.
Consumer complaint received 2018-12-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (FL)

My husband and I filed chapter XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Our Home was included in the bankruptcy. The home was mortgaged through XXXX XXXX. I have previously filed complaints against XXXX XXXX for their continued correspondence regarding payment of mortgage, insurance coverage and real estate taxes. I currently have an active complaint against XXXX XXXX - XXXX-XXXX. 
On XX/XX/XXXX, we received a packet of information from Specialized Loan Servicing LLC regarding our unpaid mortgage. Speaking with these individuals is like speaking to wall. 
I am frustrated beyond belief. These financial institutions are the most corrupt people I have ever encountered. 
I wish to pursue any and all avenues of recourse available to me. 
thank you.
Consumer complaint received 2018-12-19
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. (NJ)

I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XX/XX/XXXXXX/XX/XXXXAcct # XXXX 2 ) XX/XX/XXXX Acct # XXXX 3 ) XX/XX/XXXXXXXX Acct # XXXX
Consumer complaint received 2019-03-28
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I had a reservation for a XXXX XXXX XXXX XXXX that I booked through XXXX. I arrived on time to pick it up with my partner, whose name I put on the reservation since I expected he'd be the primary driver. My partner lost his driver 's license while we were traveling, and despite him having the license number, he wasn't able to claim the rental car. 

The manager at XXXX XXXX XXXX XXXX told me that if I had booked through them, they'd either be able to change the name on the reservation to my name or add me as a driver with no problem whatsoever. But, since I booked through XXXX, I was required to ask them to make the change. 

I spent nearly an hour on the phone with XXXX and they refused to add me as a driver or change the name on the reservation. I asked to speak to a manager multiple times and the person I spoke to refuse to escalate my issue to someone who could help. We were stranded at the airport without a car despite making reservations well in advance! It was a nightmare. 

So, since we were out of options, I had to purchase another rental through XXXX and paid {$350.00}, which is {$110.00} more than I paid XXXX for the same exact car. Attached is the {$350.00} charge from XXXX XXXX XXXX XXXX which was posted to my account on XX/XX/XXXX when we returned the car. 

I asked Citi Bank to remove the {$240.00} charge from XXXX on my account within 14 days of the incident. Citi didn't get back to me to reject my dispute until XXXX XXXX almost 3 months later! I immediately called their service department and tried to appeal. I also appealed in writing via email. *This is a service I paid for and did not receive. * XXXX XXXX XXXX XXXX management confirmed that there is no reason why they couldn't have either added me as a driver or changed the name on the reservation. For goodness sake, my name was on the credit card that I made the reservation with! 

Today, a month after I filed the appeal, Citi finally responded with, " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute had passed. '' It wouldn't be outside of the timeframe if Citi didn't take so long getting back to me the first time! 

This has been an awful experience and I am regretting having chosen to have a credit card and bank accounts with Citi.
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had a XXXX XXXX account years ago. Due to my divorce I was unable to pay my bill completely off. I was paying my bill as I got money. I never stop paying totally. I contacted XXXX XXXX and told them about the divorce. My account was sent over to a collection agency I reached out to the collection agency because the amount they stated I owed was incorrect. I ask for specific information, I got a letter with basic information just the account number, original account date and the amount owed. I waited thinking they would give me the information I ask for the original agreement, payment history etc.. I followed up to the collection agency with another letter, the collection agency then responded saying that they will not respond because my letter was duplicate and they didn't see a reason to give me the information I requested. I am asking for the information to see how the amount that is being requested came about. All 3 credit bureaus is reporting something different and I definitely know the amount is wrong. I am ad have been trying to pay my debt but I refuse to pay something that I don't owe. I understand my divorce is my own personal issue and I still am responsible I am asking for the documentation so I can pay my debt.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I opened an account at Citibank with Citibank Personal Banker, XXXX XXXX at the Citibank branch at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
I put {$15000.00} into checking and savings accounts under an offer that was supposed to reward me with 2.5 % cash back on my CITI Master Cardand a {$400.00} additional cash bonus. 
It took several months of complaining/calling to get Citibank to pay me the 2.5 % cash back that was promised. Eventually, they began to pay me this promotional rate along with an extra {$50.00} ( posted on XX/XX/XXXX ) for the inconvenience I was put through. 
On XX/XX/XXXX, I sent XXXX XXXX an e-mail asking about the {$400.00} additional cash bonus. She never responded. 
Because of the Covid lockdown and my aversion to leave home, it wasnt until XX/XX/XXXX that I went back to the Citibank branch. On that day, I met with XXXX XXXX. XXXX XXXX reviewed the offer and my account and said that I should have received the funds. XXXX XXXX said that he would forward an inquiry for review and correction of the matter. I have attached a copy of what he wrote on that day. 
On XX/XX/XXXX, I went back to the Citibank branch and met with XXXX XXXX. XXXX XXXX told me that XXXX XXXX had never submitted an inquiry, but that he would do so. I asked him to put that in writing, but he refused to do so. I asked to speak with the branch manager, but I was told that he was on vacation until sometime in XX/XX/XXXX. 
I opened an account at Citibank on XX/XX/XXXX under a rather straightforward offer that was supposed to reward me with a {$400.00} additional cash bonus. No matter who I speak with at Citibanknothing ever happens. 
Why is Citibank allowed to do this?
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (NV)

I have disputed this debt numerous times. I sent Conserve a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Conserve has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Conserve : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (CA)

Dear CFPB, I checked on my XXXX credit report and account breakdown on XXXX and it shows I have 6 hard inquiries, 3 of them that come from the same product ( car lease ). 2 of them are from GM Financial ( made with 3 days of difference ) and the 3rd one comes from XXXX XXXX XXXX the dealer from which I leased my current car ). 

I'm kindly asking for them to reconsider these hard inquiries since 2 of them were done on the same day ( XX/XX/XXXX ) and then on the XXXX they made another one. In the end I got my car lease approved, but I think it should only take 1 hard inquiry for that, not 3. Therefore, I consider it unfair to have 2 additional inquiries on something I actually ended up getting approved.
Consumer complaint received 2020-06-05
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: U.S. BANCORP (TX)

Please see the two attachments that consists of correspondence. They specifically address what the request is. The company sent a form letter stating that the request was handled, but XXXX in their Customer Service department verified that it was not taken care of after all! 

This is a credit card company ; the vast majority of credit card issuers report to the credit bureaus for all users on the account, whether that person is an account holder or authorized user. This company, for some reason, will not report for an authorized user! Why are they different, and what gives them a right to be?? 

PLEASE NOTE : I have also tried to get XXXX XXXX involved, as it is their credit card. With the exception of XXXX getting my correspondence to the right department, they have totally ignored us and have not helped at all despite three requests!
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NY)

I got a auto loan for a car at 17 % interest..as the months passed into years I noticed my balance is still almost the same as when I first got the loan. I come to find out Im being charged daily interest and at this rate it will be impossible to pay off the loan. They tricked me into a Auto loan that is impossible to pay off
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingPoint Holdings LLC (FL)

Lendingpoint LLC offers financing to XXXX sellers I applied for financing for my XXXX store on XX/XX/XXXX and was approved for a loan. I paid the loan off within 6 months though I had 36 months to pay. I reapplied for another loan on XX/XX/XXXX and was denied due to too many inquiries which were on my credit report when I applied back in XXXX.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

My Citi Costco credit card will not be reissued and expired by the end of XX/XX/2020 due to a charge-off on another credit card account issued by Citi. I contacted Citi and informed that I paid the charge off amount of {$340.00} on XX/XX/2020 in good faith awaiting the result of pending investigation from their recovery department. However Citibank still decided to close my costco credit card which results in loss of all my reward dollars for the year 2020 in the amount of {$380.00}.