davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
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. (KY)

I have been getting scammed by XXXX  This is through Navient who claim to work through the Department of Education, they have a contact number of XXXX. I have been believing I have been making payments for my student debit and have come to find out through XXXX that I have not made a single payment. I've have already contacted the bank and they are putting a stop to the payments, but I wanted to make you aware that Navient send out paperwork through the mail and had me fill out the IDR plan request that XXXX has and has a account number for me and everything that is not real. Navient sent me paperwork days before XXXX did and makung me believe they are the first steps before XXXX, which I have come to found out isn't true.
Consumer complaint received 2019-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (MI)

About two weeks ago I received a phone call from one of my other credit card company informing me that Synchrony Bank tried to get money out of my account! The amount was the same amount that XXXX claims that I own them for work on my home that was not complete! I contacted Synchrony Bank about this and All I got was a mean and nasty letter informing me AGAIN that they canceled my XXXX XXXX card! And that they filed a report with the credit-reporting agency of my delinquent with them! 

This taking of money from my other credit card company is the same thing that started with XXXX XXXX  in 2006 and I tried to work with the company and only ended up owing over {$30000.00} to other credit card company that they took money from! Until I filed a complaints with you and it all stop the taking of money! 

Just because I am a XXXX Veteran they think they can keep on stealing from me!!!
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PulteGroup, Inc. (FL)

Summary : 1 ) My loan payment be transferred again and again and very difficulty for me to pay ; XXXX ) XXXX XXXX and XXXX gave different statement and no way for me to pay through XXXX. Detail : I closed my home in XXXX with Pulte Mortgage LLC with a 15 year fixed interest rate and I paid to this company and my mortgage payment be transferred to XXXX XXXX in XXXX and I kept my payment through it with an amount of XXXX ; On the XXXX, I got letter from XXXX XXXX that they will not accept my payment by XXXX and my payment transferred to XXXX ( the web is XXXX ) .I tried many times to enroll through XXXX since I got this letter and I could n't because my loan information is not on XXXX system yet.Until XXXX I enrolled and I could n't pay my XXXX payment, XXXX customer said my information on their system since XXXX and I need to pay for the payment through phone. I talked to this same person for more than 5 times for I ca n't log-in to pay and I was told there is one week gray period. With big argue XXXX waivered the charge for me to pay through phone. XXXX, I got the letter from XXXX XXXX that start from XXXX my new payment amount is {$1000.00}, and XXXX mailed me same amount payment statement. I tried to log-in XXXX web to change the original {$1000.00} and I could n't log-in XXXX web system and I called XXXX customer and I was hold online for more than 1 hour with very rude customer : XXXX and no solution and XXXX told me : 1 ) call back late ; 2 ) the new payment amount is {$1100.00}. I called Pulte Mortgage LLC, XXXX XXXX and my home county to check what 's the reason for all this troubles and my mortgage kept on transfer and so difficulty with check for my payment. I got refund from my insurance company of {$21.00} recently, and XXXX XXXX said my payment should be {$1000.00}, and the escrow balance is {$400.00} to XXXX ; County said my tax will no change. With this PHH is very frustrated and I doubt they control the online system and people ca n't manage the online auto-pay system then they will charge the fee or made the customer late pay or missed payment with the very serious consequence ; XXXX phone system said their office hour is XXXX and nobody answered the phone after XXXX on regular office time. With a long time on the phone XXXX customer not only very rude by increasing the voice but also told me : it is Monday! I asked her does that is her answer for customer and she put me on holding for more than 25 minutes to wait for the specialist to help me log-in and nobody 'sow-up ', and told me the payment date is XXXX and I have enough time. I told her NO because I spend more than 20 days to get XXXX mortgage paid and I do n't want to miss the XXXX payment and be charged for fee through their phone payment system and she was so mad with very rude tone to talk to me. I told her the mail from XXXX said my payment is {$1000.00} but she said that is not right and she said she talked to tax person. I had to stop the more than 75 minutes phone without any conclusion.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc. (KY)

I tried to fax my information to XXXX, the fax number listed on web site. Not a fax number, number has been disconnected!!! I tried to enter my information online XXXX XXXX XXXX the Link does not work? 

Is this some kind of XXXX  scam?
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Companies like XXXX are distributing 20 year credit reports which are being utilized by illegally staffing agencies, housing, and other types of businesses. The credit reports are highly inaccurate and do not display current information. The information is not current and does not have the correct information on it. Under the Fair Credit Reporting Act, credit and collection agencies reporting for Texas can only run credit reporting for a four year period starting from the current year to the previous three years. Housing can only run a two history starting from the current year to the previous year. I am receiving calls from individuals on car warranties on vehicles that I haven't owned since 2001.
Consumer complaint received 2019-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC (OH)

To Whom It May Concern, The reason for my dispute is JAVITCH BLOCK LLC XXXX XXXX   XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA . Also, JAVITCH BLOCK LLC.failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) JAVITCH BLOCK LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. JAVITCH BLOCK LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where JAVITCH BLOCK LLC is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. JAVITCH BLOCK LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For AM XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (AR)

On XX/XX/XXXX I transferred a {$720.00} balance from a XXXX XXXX XXXX credit card to a US Bank card. I paid the applicable transfer fee. The APR would be 0 % until XX/XX/XXXX. In XX/XX/XXXX I used the card to buy a sandwich for {$3.00}. I've noticed they started charging me a minimum interest fee of {$2.00} each month even though no purchases were made after that. I have made timely payments for more than the minimum amount. I called this morning & was told that since I bought this sandwich I would be charged {$2.00} interest each month and the only way that would stop was to pay the entire card balance. I asked them why I could not apply part of the monthly payment to any purchases & the rest to the balance transfer & they stated that was not allowed. I have a copy of the letter they sent me when I made the balance transfer & nothing is said of this. It is an unfair & misleading business practices since I am not allowed to pay on the purchase with a higher interest rate than the balance transfer amount which has a 0 % rate.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected immediately
Consumer complaint received 2016-04-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Weinstein, Karp & Associates, Inc. (AZ)

ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at Weinstein, Karp & Associates, INC on those XXXX conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about XXXX times per hour.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I called in XXXX to pay the balance over the phone. I paid the balance. I received a bill in XXXX for a {$2.00} " fee. '' I called and they couldn't give me an adequate explanation for the fee so they waived it and it brought the account balance to {$0.00}. I have now received the XXXX bill and it is for {$6.00}. That is the original {$2.00} fee plus another {$2.00} fee plus a late fee of {$2.00}. I called Comenity Bank customer service AGAIN and asked to speak to a supervisor. I was told there were none available and they didn't know when they would be available and I would have to keep calling back as the customer service representatives are not authorized to waive anything.
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

REQUESTED XXXX XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. XXXX XXXX XXXX CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I received a letter dated XX/XX/XXXX from ProCollect stating that I owe them {$340.00}. When I called them to find out why, they stated that I owe money from damages related to my having moved out of my prior apartment. I told them that there were no damages, and I never received any notification or evidence of any damages being alleged by anyone until their letter. I left the apartment in the same condition I rented it minus normal wear and tear, so I owe nothing. I emailed them my dispute of the validity of the above-referenced debt on Tue, XX/XX/XXXX, XXXX XXXX.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

The public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, and XXXX ), they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have noticed two inquiries on my report within a matter of a week on Equifax. I have reached out and disputed those inquiries and was told to file an FTC Report. The FTC site brought me to this page and therefore I expect this matter to be resolved.
Consumer complaint received 2020-02-09
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: Goal Structured Solutions, LLC (OH)

Launch services took over another student loan I had with no notice, phone call or email. I pulled my credit report and was completely appalled that I had so many late payments. I called and they told me if I got caught up, they would remove them immediately. I just went to apply for a car, and they are all still there. 

I have sent letters after letters trying to investigate and validate the late payments and I am not receiving any replies. I know they have 30 days and they are not complying.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (MS)

I received a derogatory mark on my credit report from Prince Parker and Associate. Theyre saying I owe XXXX XXXX XXXX XXXX XXXX {$1100.00}. This is not true, I was switched to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Ive tried several attempts to resolve this issue and nothing has been done about it.
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened up a checking bank account with Bank of America online with one of there representatives doing it for me on the phone. In saying so I opened the account to cash my second stimulus check back on XXXX XXXX. Im saying so my account got fraud at no expense of my own but theres. Everything matched up and they even sent the check through and it cleared the same day before my account was shut down. I went to the bank the same day and talked to them and even opened a new account because the funds was suppose to be transferred to the new account the following day. That never happened And even sent a check out to me without my permission and without me knowing. I havent got that check because of that snow storm that hit XXXX, ok in XXXX. So now they are saying I have to wait 120 days to get my stimulus check in which they arent supposed to hold.Ive been calling them every since then and get a different answer every time anyway to sue them this is hurting me and my family. 700 $ they got of mine.
Consumer complaint received 2020-12-22
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: CITIBANK, N.A. (CA)

I found out in the earlier part of last year that I was accepted in Law School so I started reviewing my credit report to make sure there were no disparities so that I could qualify for student loans that upcoming fall quarter and I discovered an student loan from Citibank was reporting a balance of {$3900.00} ( as of XX/XX/2020 {$3900.00} was written off and {$1000.00} was past due ). First I contact the company that was originally listed with Citibank on the XXXX report and they were called XXXX XXXX. XXXX XXXX informed me that they no longer had the account and that it had gone back to Citibank. I contacted Citibank right after the phone call and Citibank informed that there was no debt associated with my name or social security number after sending me to numerous departments. So I went ahead and filed a dispute with XXXX and let them know the information I was given. I began law school and started accessing my credit reports again and the account was still on there so I filed another dispute in the months of XXXX, XXXX and XXXX. To no avail the account remained and XXXX reported the debt was valid. I continued to file disputes in 2020 and called Citibank an additional 2 more time and was told every time that there was not debt for the amount listed on the credit report associated with my social security number. All of this information was once again sent to XXXX and the results of their dispute remained for the months of XXXX, XXXX, XXXX and XX/XX/2020. As of 2020 XXXX started not only reporting the possible debt as a charge off it is also reporting it as being late. This account has led me to becoming so depressed I do not see a way out. As of know I will not qualify to go back to school next Fall because I will not qualify for student loans due to this negative mark on my credit report. I am distraught because I have work so hard to get to this point in my life. If I do get to finish law school eventually I will be the first attorney in my family.