davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

I have reached out several times with people who has been calling me about my student loans. I'm unable to get help. I've been told they mailed out paperwork to help me! But I've never received the paperwork. This was months ago and supposedly it has been mailed several times, still not receiving paperwork. I'm unemployed and have no income. I can't seem to get help with payments or any type of adjustment or help. They just want a payment that I don't have. They even asked me if I have a family member who can give me the money. Really! This is not my family 's fault or problem. They state that I need a payment to catch the account up than they can find a program that fits my needs. I'm lost here and Don't know what to do. I guess if I can't make a payment than I can't get any help!
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-07-28
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 (TX)

I requested how the information in my report was validated and LexisNexis refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as Lexis Nexis.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I requested how the information in my report was validated and XXXX refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as XXXX XXXX.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

I refinanced my existing mortgage with a separate bank. Upon closing with my new bank, I paid my loan in full at US Bank and Mortgage. Nearly four weeks later, they sent me an escrow check with my remaining escrow balance. However, on the balance I noticed they retained approximately {$240.00} to pay mortgage insurance! Why would they keep {$240.00} to pay mortgage insurance on a mortgage that I have just paid off. More troubling, is that this was done with no explanation whatsoever. I had to comb oover my statement to uncover the discrepancy. 

Upon calling US Bank, they informed me that I am paying for previous months and because I paid closed on XX/XX/XXXX, I am required to pay for the entire month of XXXX. This makes no sense, particularly where my mortgage insurance was not paid from my Escrow account on the first or 2nd of the month. This might seem like a small amount of money but {$240.00} goes a long way in my house and for my family. 

At a time where money is tight during the pandemic, I find this conduct egregious and I can't even imagine how many other consumers are subject to this type of predatory behavior. If my mortgage is discharged, I should be getting my ENTIRE ESCROW BALANCE returned. US BANK should not be allowed to retain money to make future mortgage insurance payments on a discharged mortgage.
Consumer complaint received 2024-03-22
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

Tried logging in multiple times over the prior week on usbankfocus.com and it returned with an error message. Tried resetting password and going through the " get login help '' option on usbankfocus.com but it sent a message saying to call the support line. Called the support line on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for help accessing the account online through usbankfocus.com and did not receive a solution. {$300.00} dollars in cash I am unable to access or withdraw or transfer.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX # XXXX is listed illegally on my consumer report ( s ) in violation of Title 15 U.S.C.6801,6802,6803,6804 The XXXX XXXX XXXX XXXX ( XXXX ) was written into LAW by XXXX and this firm should know it is Illegal for this Financial Institution! ( XXXX ) to transport my non public private information to a non affiliated 3rd Party without initially giving me NOTICE that I have the right to OPT out of credit reporting. This company also can not report this information without my PERMISSION they are blatantly violating my privacy rights which is ID Theft. 
I received no notice from this company and never gave them permission to report this information. I want this information removed immediately!
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (TX)

having trouble submitting documents it keep rejecting and when i mailed it certified they got it but no update. 
Identity theft and i sent those documents.
Consumer complaint received 2020-07-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (TN)

On XX/XX/2020 at XXXX, I had a missed call from this company. Knowingly aware that none of my creditors could call me I returned the call at XXXX, the person who answered ask me verify my identity and I told the person on the phone I don't know who you are so you will need to send something in writing via email or mail. I advised you should not be calling me due to being protected by the Chapter XXXX " automatic stay '' that was filed and that all creditors had already received notification. After stating that information, I disconnected the call. On XX/XX/2020, I received a notification from XXXX, XXXX and XXXX  that a collection account was added to my file for {$1300.00}. Not only did you not confirm my identity or you ability to contact me based off of our conversation, you were sold a debt that is protected by the Bankruptcy Code in which you violated by contacting me. The appropriate action that XXXX XXXX should have taken was to reach out to the creditor to verify based off the brief conversation. On XX/XX/2020, I received yet another notification from the credit bureaus that you increased the amount to {$1300.00}. My first question is why did you not validate the debit allowing 30 days for a response before adding to someones credit report? Why and how did you increase the amount? 

Do not blame COVID-19! I have disputed it through all three bureaus and your company stated that information is correct when it is not! I have attached screenshots confirming the timeline. 

As of XX/XX/2020, I have yet to receive anything via email or mail from XXXX XXXX to validate the debt. I demand this collection account be removed from my file through all three credit bureaus immediately.
Consumer complaint received 2018-05-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ZARVAD III S.A. (LA)

I applied for a payday loan with the understanding that i needed to log in to the website to pay.

I was called to work in XXXX  and thus their website blocked me from logging in ... and couldn't pay.

I emailed four or five times beginning XX/XX/XXXX with screen shots of the website blocking me and was continually referred to changing my password in order to pay the bill.

Instead - was charged {$90.00} twice because I couldn't log in.

The contract clearly states logging in as the only form of accepted payment. It says nothing about being out of country and not being able to log in to pay. " XXXX '' numbers are blocked from overseas use.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

This company reported to the credit bureaus that I owe them a debt of {$380.00}. They have never provided proof of any kind to me. This debt is not mine and I don't owe them anything.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc (IL)

Eastpoint Recovery Group , Inc sent a deceptive and false letter attempting to collect an alleged debt. The alleged debt has not been verified nor has it been validated. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by Eastpoint Recovery Group , Inc fall under UCC 9-110 under Article 2 or 2A?
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services is claiming that I owe a debt of {$330.00} from XXXX. I have no knowledge of this account. I have contacted Credit Collection Services multiple times asking that they send me verification that I owe this debt. They have not been able to provide me with verification or validation that I owe any debt to them. 

I have also contacted XXXX to dispute this debt and have it removed from my account. XXXX has not removed the account but instead allowed the collection company to continually update the balance date every time I dispute instead of requiring them to remove the debt from my account. 

This process has been very frustrating and I do not feel that XXXX is doing anything to help me as the consumer in this case. It seems more like they are working on behalf of the collection company instead of me, the consumer.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NVR INC. (NC)

NVR Mortgage at XXXX XXXX in XXXX North Carolina, the company are holding the keys to my home. The closing has been recorded, the money has been wired and they are refusing to answer my calls. XXXX in the office stated I just dont want to have nothing to do with this they are holding the keys because of my color. They have showed complete racism toward me. They purposely made this experience difficult for me. I have documentation to prove it.
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I have no relationship with Comenity Bank. 

Their automated caller is ringing my phone which increasing frequency from 5 different numbers. The recording says the status of a Wayfare account has changed and asks if this is ( person ) Press 1 if yes and Press 2 if no. If I press 2 the system hangs up. I don't know the person they are asking for and have never had a Wayfare card, or an account at Comenity Bank. 

The calls are increasing frequency '' XX/XX/XXXX 1 call XX/XX/XXXX 2 calls XX/XX/XXXX 1 call XX/XX/XXXX 1 call XX/XX/XXXX 4 calls XX/XX/XXXX 4 calls Numbers used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The system won't give me the option of talking to a person. The increasing frequency is abusive and unfair. The use of multiple numbers is designed to defeat call blocking.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management Inc. ( MCM ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX has been sending me collection notices in the amount of {$460.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I sent out a debt validation letter XXXX XXXX to XXXX and XXXX and a debt validation letter to Midland Credit Management on XXXX XXXX. I received a letter from the collection agency ( MCM ) XX/XX/XXXX, XXXX and XXXX ( XX/XX/XXXX ) stating that the debt was verified but they have not disclosed how the account was verified. Also i know that an investigation wasn't done because according to 15 usc 1681a ( e ) they didn't do any interviews with anyone associated to the consumer ( me ) .However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (OK)

A GM Goldman Sachs credit card # ending in XXXX was opened in my name XX/XX/year> without my consent or knowledge. I am a member of XXXX XXXX XXXX who alerted me to the delinquency on this account. My credit score had been decreasing as this delinquency went on. My identity was stolen and this credit card opened without my knowledge. Yesterday, XX/XX/year> a rep from XXXX and I called GM Goldman Sachs to inquire about this to find out what it was. We spoke with XXXX, XXXX and XXXX and learned of the details. An amount of {$6000.00} was charged to this CC and all but {$490.00} was paid off. The creditor closed this account on XX/XX/year> because it was flagged as being identity theft. I was instructed to complete a fraud complaint and file a police report, then mail a copy to GM Goldman Sachs for them to investigate. 

I want this issue resolved and removed from all three credit reports, XXXX, XXXX and XXXX as I did not apply for this credit card!
Consumer complaint received 2021-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (IN)

I sent several letters asking for debt to be verified and they have not done so they just sent a group of papers saying it was from XXXX  I am currently paying XXXX XXXX a month So what could I owe. Looks like a form letter for response. They still have not answered my emails and they say this can be a amicable solution?
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (NY)

Hello, I have sent two letters to Experian regarding innaccurate information with my two forms of Identification. One letter on XX/XX/2020 and one letter on XX/XX/2020. They are in violation of the fair credit reporting act 611 ( a ). They are violating my rights because they are saying I'm not the one who sent the information just because I know the law.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

Experian has verified this debt as accurate when they are the only bureau reporting this debt the other two bureaus did not have the proof from a proper investogation to validate this debt and therefore needs to be deleted the accout off my credit report. which is a fcra violation of inaacurate information and unverified debts.
Consumer complaint received 2019-03-26
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)

.XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - Partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be last on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Complete Credit Solutions, Inc. (MD)

This company continues to put false information on my credit report. The amount is {$1100.00} that is on my credit report. The false information appeared on my credit report since XX/XX/2019, and I've tried dealing with them to get it removed. The company 's information is listed below. 

COMPLETE CREDIT SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

On XX/XX/2024, I called a Citibank services for Home Depot and soke with representative and asked him have they received my settlement and payment for an old account. He stated, " yes '' and I asked him will Citibank report any of this to the credit agencies ( XXXX, XXXX, and XXXX ). I advised him that Citibank is still reporting to the credit agencies that I am delinquent, and I am still past due on my account. I asked the representative for a payoff or settlement letter and report my information to the credit agencies. I also advised the representative that the credit agencies advised me that your company ( Citibank/Home Depot ) is still reporting wrongful information to the credit agency. I requested my information be corrected. He advised me that he would do something is 60 days. I asked him if he could email me a payoff letter and he advised no, and I would have to just wait on that too. I also called Home Depot representatives and they all passed me off to Citibank because they refused to look into my case or provide me with information about my account. In all I called Home Depot and Citibank approximately or close to 12 times just to get help. This is unacceptable.
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Please accept this letter as a formal complaint against. JPMorgan Chase Bank. On XX/XX/2021 while making a wire transfer, we inadvertently put the account number in the space for the routing number and the routing number in the space the account number. Since that time I have exhaustedly tried to resolve the issue with Chase Bank to no avail. I then contacted the executive team which was no better and, in some cases, worse. 

I then sent XXXX XXXX XXXX and Chief Executive Officer a detailed email of the goings on, only to receive a call from a female from Chase, phone number XXXX indicating that we may never get the {$20000.00} back. As you can XXXX, that set off all types of anxiety, anger, frustration and a feeling of helplessness. 

I was not aware of where the money had gone, but somehow found the recipient bank. I spoke with a very knowledgeable person there ( whos name I have ) that said, all that needed to be done was to have Chase give me a recall form Wire remittance form have it submitted, and the funds would be returned. He certainly indicated that this was a normal course of action and was perplexed as to why it had not been done already. 

I take umbridge at having {$20000.00} dollars held hostage and none of the Chase representatives, XXXX, XXXX, XXXX, XXXX, XXXX or XXXX XXXX recommended or suggested that I complete the form to have my funds returned. This leads me to believe that this was purposely done a caused me to loose credibility with my customers. 

The remuneration I suggest is that they double my money back and send a letter of apology. Secondly train their EXECUTIVE TEAM on sensitivity and sensibility. 

Respectfully, XXXX XXXX XXXX Federal Deposit Insurance Corporation ( FDIC ) Federal Reserve Board ( FRB ) Conference of State Bank Supervisors ( CSBS )