davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
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: Exeter Finance, LLC. (CA)

I have a loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and EXETER FIN with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2017-09-12
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. (TX)

Equifax, and historically and well-known Credit Reporting Agency, should have used better precautions to secure personal information for my credit. This incident can possibly have a life time effect on me as a consumer. Now, I am not sure who has my information are what they have or what they could release. I surely do n't want to see something released on the news that could be related to anything regarding my credit. Having a truly free credit report for one year does n't fix this problem. And I am open to negotiations as to how we can best fix this quickly.. for example, how do you plan to compensate me for such a totally irresponsible Act?
Consumer complaint received 2016-08-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (LA)

I XXXX and am not able to work at the moment. My payment is XXXX per month. I owed them {$200.00} and tried to give them all I had which was {$140.00} and they refused the payment. They keep threatening me to take my property and file a lawsuit against me. I told them I have doctor notes and paperwork from orthopedic doctor and they said they do n't care that I signed a contract and they want their money. How can they refuse to take what I can give and then threaten me with lawsuits, wage garnishment, and repoing my property???
Consumer complaint received 2017-09-12
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. (NC)

XXXX XXXX XXXX placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account on XX/XX/XXXX in a checking account that I have opened since XX/XX/XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XX/XX/XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. XXXX XXXX XXXX states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from credit report.
Consumer complaint received 2017-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Real Time Group, Inc. (WA)

I had a property that was foreclosed on in 2008. Real Time Resolutions bought this debt after it transferred between 2-3 different servicing companies and have re-aged the debt well beyond the statute of limitations, and have no documentation according to the law to be able to collect on this debt, report it, etc ...
Consumer complaint received 2017-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

XXXX XXXX admissions department aggressively recruited me. This complaint is of coercive, deceptive XXXX recruiting pitches that target the prospective enrollees. XXXX lied to me about the costs & transferability of credits, about job placement rates & earnings after graduation. The XXXX XXXX recruiter told me that I would be earning XXXX to XXXX right out of college. That was not the case. In fact, the first job I got out of college paid under {$10.00} hr. I was told that the schools tuition was much less expensive than other colleges in Tennessee when at {$44000.00} ( the cost of a XXXX XXXX XXXX at XXXX Tennessee campus ) I could have received a XXXX degree at a local college. The cost was almost 3 times as much as a comparable XXXX XXXX program. XXXX offered dismal to no job placement assistance. I would call & call & no one would call me back. I received emails from XXXX XXXX for job offers, but not in my field of study. They offered absolutely nothing related to my degree. One job I applied to on my own using a local job service told me that XXXX XXXX was a joke. I learned more skills on the job than I did in college at XXXX. I lost valuable years attending XXXX when I could have been earning a degree from a better school. This experience has strained my family relationship because of the XXXX of me & my mom repaying this debt. The repayment amount is going to require that I live at home because I ca n't afford to repay this debt with the job I have. It has ruined my financial life, my credit, & most of all they stole my potential professional future which I will never get back. Every single night I think about my part of this loan not to mention my moms part of the loan & how it has affected us as a family & our finances. I have lost & am still losing sleep worrying about repayment & how different it could have been had their promises of great job offers an income been true. This has had a greater impact on me since finding out I have a XXXX on the way ; It is even a greater source of stress in my life. I would like to join the group of individuals requesting a student loan forgiveness from XXXX XXXX.
Consumer complaint received 2017-09-12
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. (CO)

The Equifax hacking problem??? First, delay in notifying ANYONE of it having happened, exposes about 1/2 of US households to extreme vulnerability to all sorts of fraud ; second, insider management selling stock before public announcement of the hacking ; third, an attempt to make that same 1/2 of US households " trade away '' their right to sue Equifax. It 's totally shameful.
First : no one has ever asked me if I 'd like to " opt-out '' of the reporting system for all the 3 companies. Why? What governmental entity sanctioned their activities? I understand that they facilitate peoples ' access to borrowing, smoothing the way for banks and other financial entities, but just now we see the potential cost of such a system to individuals. The IRS, I would think is particularly concerned, given it is already burdened with fraudulent attempts to file on the part of garden-variety scamsters.
Secondly : should there not be a large penalty ( say, {$5000.00} or {$10000.00} fine/ instance ) levied on the party responsible for failing to protect consumer 's identities ... whether or not there is subsequent fraud or not? Some entity ... maybe you, maybe the FTC ought to have some serious level of control over their actions.
Thirdly : myself, at this point in my life, I can live quite nicely without extending myself credit, but this is not true of the typical American. I have frozen my accounts at all three companies and may leave them frozen indefinitely, but this is not viable for younger people just starting out ; they need mortgages, cars, etc. They 've not had it easy in the last 10 years or so. This is yet another kick in the teeth to them. In short, it would be advisable to re-think and, if necessary, re-legislate this entire system. You should be a major player in this.
Consumer complaint received 2021-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc. (CO)

under the fair credit reporting i have a right to all my documentation, all print outs of the dates and times i was at the facility and a print out of all my signatures and dates that i signed paper work. i have a right to all and any information with my information on it. the company sent a itemized report. i requested actual documentation with my signature on it. i have not received this. I also under COVID am under a financial strain, im currently on XXXX, and have been per the past year on unemployment and food stamps which i am unable to pay them under financial hardship my rights under the fair credit act is to have this debt relinquished. 
again i want proop of actual documents with my info my signatures and dates. a itemized list i can make up my self. i have a right to receive all documentations of a loan a company is trying to collect. also again under covid and government assistance i am freed from the debt under COVID. under the fair credit act a company has 3 months to collect a debt after that that is when they report it to your credit. XXXX is way off from their so called XXXX so called i was seen. also they have been removed from the bruearus and then re submitted in XXXX to replace themselves back on my report which is illegal and again against the fair credit act. i want actual proof not itemized list. i requested this several times and i get nothing. they are going around the law and ielgally trying to collect a debt. they actually were under a diffrent credit collection agency name. i will have to go locate my file in storage and pull it out and i will submit that
Consumer complaint received 2017-09-12
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. (ID)

Experian, XXXX and XXXX released pretty much all of their data due to horrible, out-domed, and just plain negligent database security practices. This affects almost every single adult American, including my husband for sure, and me almost definitely. They are not really sure when this hemorrhage of data occurred, and they certainly were n't quick about letting me know. I 'm not sreally sure what this means for me and my family, but I know it is n't good. 

I want them to be held responsible for the damage they have caused. I would like them to implement fraud prevention on ALL accounts forever. This should be the baseline level of security, not the step up. Our credit reports should not be something that are 'easy ' for a company to ask for and get. In fact, I 'd prefer to see this information available to banks ONLY.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MA)

For my birthday, my son gave me a XXXX Debit card purchased from a store for XXXX. I held onto the card until I need to purchase something. I went to use the card approximately 18 months later and only had {$6.00} available on the card. I called up the debit company, XXXX, and made a complaint. They apologized and said it was because of inactivity fee. I did not know when given this card there was in inactivity fee. What, exactly, do they have to do for this fee? 
I feel this is an erroneous fee, almost as a punishment for NOT using your gift. 
I would welcome your assistance in trying to recoup the XXXX they kept from me. 
The card number is XXXX. It expires XX/XX/XXXX The security code is XXXX. 
Their telephone number is XXXX Please let me know if you need anymore information. 
Thank you, l XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

I have a checkjng account with Debit Card through Regions Bank, XXXX, Alabama. On XXXX XXXX, XXXX the ending balance on my account was {$210.00}. The next business day after that date was Tuesday, XXXX XXXX, XXXX. Over that weekend there were twelve charges for purchases and one cash withdrawal a total of {$200.00}, leaving an available balance of {$14.00}. According to my statement, the last and final charge to my account that day was a {$210.00} fee for six ( 6 ) insufficient funds charges. 
On XXXX XXXX, there were charges made to the account a purchase of {$32.00}, a locksmith charge of {$120.00} and a fee for two ( 2 ) overdraft charges of {$72.00}. 

I do not question the final charge for the two overdraft charge fee but do question the charge made against my account on XXXX XXXX, for the six overdraft fees ( {$210.00} ). I was told by the branch manager of Regions Bank, XXXX, Alabama that the overdraft for which these charges were made actually occurred because of the two charges which were processed by the bank on XXXX XXXX, XXXX. 

I realize that this does not involve a lot of money but I believe the charge made to my account for the six overdraft charges came only from an unreasonable, unfair and self-serving interpretation of its fee policy by Regions. In effect I am being charged for overdraft that never existed. At the close of business on XXXX XXXX, XXXX, there should have been a balance of {$14.00} in my account and would have been that if not for the {$210.00} charge for the overdrafts that had not occurred, I would also like to also like to refer your attention refer your attention to the Online Banking statement from Regions. Please refer your attention to the account Summary section at the top of the statement which shows the Posted Balance, an itemization of all pending charges and then what is shown as " Available Balance ''. I was told by the Branch Manager that Available Balance did not mean what it says, that it could be affected by charges which had been received but not yet processed by the bank The two ( 2 ) charges  made to the account on XXXX XXXX, apparently created the overdrafts which were charged on XXXX XXXX. 

.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Went to XXXX XXXX XXXX, notified them that treating doctor referred me to another XXXX, they put it on my Credit Report XXXX, notified my attorney who sent the attach letter below. Now it is on XXXX and XXXX. Went to apply for an apartment and my Security Deposit was increased by {$500.00} this is not my debt.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

above plus : continued failure to investigate within 30 days- insists that credits give them " updates '' and takes sweet time instead of bureau removing the debt.
DEBT NEVER OWED, DENIED IN FULL under FCRA. IMPROPERLY REPORTING-yet shows CRETIFIED ACCURATE.
NO PROOF SENT TO ME of contact made to these companies 4 mos now.I demanded proof. I dont need to keep send in my blood type and starship name.YOU HAVE IT ON FILE. I HAVE NOT MOVED RECENTLY. STOP REPORTING THAT I HAVE to block access.
refuses to remove these accounts. keeps " updating them '' instead. If the company XXXX me for over 12 mos now and STILL HAS THE ACCOUNT for some XXXX up reason ... I DONT OWE IT. YOU CANT EXTORT ME.
Consumer complaint received 2017-09-12
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. (CA)

The recent Equifax breach ( summer XXXX, reported XXXX XXXX XXXX means that my personal information ( along with that of XXXX XXXX other XXXX XXXX is now in the open. 

I never authorized Equifax to have this information in the first place ; by not properly safeguarding it, I am now at much higher risk of identity theft and fraud. I will have to take additional steps for many years to safeguard my finances, costing me time and money.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (TX)

I opened a dispute with American Express for a missing payment on my account of {$7000.00}. AMEX sent me an e-mail saying I was not responsible for the amount under review ( {$7000.00} ) while they continue their investigation. When I called to get my payment due for the month I was advised that I am responsible for paying the {$7000.00} during the investigation and AMEX will not honor their communication to me that the amount is suspended from my balance. AMEX is not standing by their written communications regarding payments due. 

Below are quotes from the email I received on XXXX XXXX XXXX 

" We're looking into it now. You won't be responsible for the {$7000.00} while we investigate. If we find that your dispute is valid, we'll be sure to adjust any interest charges or fees incurred from the disputed amount. '' AND " We'll remove the amount under review from your required payment due so that you don't have to pay the disputed amount while it's under investigation. '' When I called, a customer service rep and supervisor said they could see the e-mail referenced above but I had to pay the disputed amount anyway.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Hello Dear CFPB I never received statement and i did not know i have balance. the reason i did not receive statement because i change my address XXXX month ago and Chase XXXX sent my statement to my old address. I changed my address by phone and they did not update it and they sent statement in my old address. Its triggered my account to go XXXX days late and all my credit has been ruined. I have mortgage and my interest rate has been hike up double and i will end up paying many XXXX XXXX dollars over year in XXXX yearrs mortgage.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2017-09-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The CBE Group, Inc. (AL)

On the first Wednesday after the XXXX of XXXX, my Social Security check was reduced by {$280.00}. 
Credit company told me they mailed several months of notices to a XXXX XXXX XXXX address. This is not an address that I know, & I never received any calls. 
They stated they were taking out $ 400+ this month. I only have SS & $ XXXX  monthly retirement to live on with my wife. Help Please. Give me an address & I will mail you 100 % of my documentation.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I did not consent to, authorize nor benefit from any of the following accounts attached is the identity theft report. Block and remove them. 

1.XXXX XXXX XXXX XXXX XXXX 2 . XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX 5. XXXX 6. XXXX
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a problem with Transunion. They have incorrectly reported a student loan on my account. 

This loan is closed. When I disputed it they split the loan in two and are now reporting two derogatory loans. 

I had 1 consolidated loan with XXXX. XXXX closed the account and discharged all remaining amounts back to XX/XX/2015. 

XXXX and XXXX report this information correctly but Transunion refuses to update the information.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear sr First think you for your help and I wish the best news for you, for other reasons I have something very important for me to complete my information and my account for my future life and for my family, and I need you to help me and give me more information about my future life and my SSN information to claim my credit report and account bank. 


The second thing I try to contact the transunion and XXXX   and XXXX customer service and I was calling them several times to asking them to give me my credit report for my XXXX XXXX XXXX account and my XXXX XXXX credit card. 
but they never send it to me, I HAVE RECEIVED MY REPORT BUT I CAN'T UNDERSTAND ANY INFORMATION ABOUT IT ALSO I CAN'T FIND MY ATM CARD NUMBER Could you please help me sr and give me more information about my SSN INFORMATION FOR MY FUTURE LIFE AND MY ACCOUNT BANK AND MY XXXX XXXX ACCOUNT AND CREDIT CARD, PLEASE THANK YOU SO MUCH FOR YOUR SUPPORT I WISH THE BEST NEWS FOR YOU AND YOUR LIFE Best reagards XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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. (SC)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX   XXXX  XXXX  XXXX XXXX  XXXX/XXXX
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

A new collection was reported on my Experian account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. Experian keeps messing with my credit account and we do not know why this keeps happening.