davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Complaint ID XXXX. My problem DID NOT FIX YET WHY ITS CLOSED. 

Company responded on XX/XX/2020 " Company 's Response Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In order to remove a fraud alert from your Experian credit report, we need the request in writing along with the information listed below. Send the requested information to Experian, XXXX. XXXX XXXX, XXXX, TX, XXXX ... ... '' - USPS has been delivered my documents on XX/XX/2020 at XXXX XXXX  XXXX TX XXXX. I have certified mail, I already sent you what you asked for. 

- 1 copy of my ID, 1 copy SSN, 1 identification information form with my hand writing, 1 utility bill. 
- My tracking # XXXX - Now you asked me to sent them again. This is wasting my time and money because i have proof from UPSP, Experian already received my documents. Are you guys serious working? PLEASE TAKE AT LOOK SERIOUS.
Consumer complaint received 2022-04-29
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CO)

After 2 written letters to this company in the past year, multiple phone calls I have initiated and no answers ( Probably over 50 in total ), the company never has answered the calls and 2 complaints through this site the CFPB, I still have no resolution. The response was that they are accredited and they will no longer contact me via phone and will be direct mail only. This was never the issue, the issue is that they will not make/negotiate nor accept a lower amount of payment for the 2 accounts, nor respond to my written letters, nor can I contact them via phone call. This is ruining my credit and I will be contacting an attorney soon in the matter. They state that they are good with the XXXX and then I find this on the XXXX XXXX XXXX, Government Action : Consumer Financial Protection Bureau v Midland Credit Management Inc.. I want an immediate and financial amount to resolve the 2 accounts. The distraction techniques and ruining and extending my credit issues has gone on too long. I also will extend communication to the original creditors and explain the tactics, delaying and complicate behavior to them. My email address for immediate resolution is XXXX.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OR)

This is a follow-on to an existing complaint about ALLY BANK which I have already on file. On XX/XX/2020 I attempted to electronically withdraw a total of {$500.00} from my account which the bank had already sat upon for nearly two weeks after deposit and one week after clearance. These two deposits were less than the amount of supposedly cleared funds in the account and there were additional funds deposited and " on hold ''.

Ally Bank is flagging each of my check deposits from three different sources, including another actual Institution ( XXXX XXXX  XXXX by claiming to have " information that indicates the check may not be paid. '' Checks were issued from XXXX XXXX ; a business that I have received checks from numerous times with no problems ; and one of my own personal checking accounts which has more than adequate funds to cover the amount of check XXXX {$1000.00} XXXX. 
Both of my attempted electronic transactions were rejected by Ally Bank causing the recipient institution to place a freeze on my account at that institution, thereby causing me economic harm directly and indirectly. 
This practice of, in my opinion, unlawfully holding funds for an unreasonable time results in potentially millions of dollars accruing to ALLY BANK from interest payments that would otherwise be credited to the accounts of its customers, not to mention the fees and penalties that customers may have incurred due to their reliance upon the availability of their funds.
Consumer complaint received 2020-01-22
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: Experian Information Solutions Inc. (FL)

XXXXXXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX THIS OS NOT MY ACCOUNT
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I have attempted to open both a personal checking ( within the last year ) and a business checking account as recently at XX/XX/19 on both occasions the accounts were opened by XXXX XXXX   representatives and on both occasions, the accounts were opened then immediately closed followed by erroneous letters with Chase letterhead that gives you no explanation other than checking with the three reporting credit bureaus. 

In the second attempt like the first the reps are cryptic in their approach and only give yur word and warning that " the account that was opened will be discontinued and closed immediately '' nothing more nothing less. 

It is important to note that I owe nothing to Chase Bank ... an have separate accounts at XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX that are both in good standing. 

This bank is egregious in its behavior and seem to have some sort of prejudice to certain clients and should never be allowed to take monies and open an account only to close it with absolutely no explanation whatsoever except some erroneous letter that states that they made the choice with no explanation or cause whatsoever.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VT)

This is regarding my applciaiton for Public Service Loan Forgiveness ( PSLF ). I have spoken with FedLoans and submitted Employment verification several times for my employment but they consistently do not update the information. 

In addition, they do not contact me saying there is a problem -- if any -- with my employment verification. 

I stay on the phone for hours, get a nice and helpful representative, resubmit my employment verification, they find something wrong w/ it, lose it, or ignore it, and then I am again left in limbo. 

It almost seems like they are stalling until the XXXX XXXX  deadline? Perhaps that way they don't have to forgive any of my loans? 

I worked XXXX XXXX XXXX for 12 years and 7 years XXXX XXXX XXXX XXXX XXXXI have been paying on these loans since 1989 with periods of forbearance ( I also was never told I could make a nominal payment that would count toward my PSLF ). 

When I started in 1989 I owed {$42000.00}. I now owe {$50000.00} THIRTY THREE YEARS later!! 

Please help, I am crushed by this lifelong debt that I can't seem to pay off even after over 30 years...
Consumer complaint received 2021-05-24
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. (IL)

I applied for a mortgage with XXXX XXXXXXXX XXXX and XXXX. Both lenders pulled my credit multiple times. Each time plus more times. My credit was pulled a total b of 5 times. Each time Equifax miss merged another person 's social security, date of birth. Address and credit history with detailed accout information on my credit report. This persons debt is causing me to have a HIGH DEBT RATIO. causing me to be a risk at losing my mortgage approval and home. I've called Equifax every day since XX/XX/2021 to resolve the miss merged. Please help
Consumer complaint received 2021-05-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.
Consumer complaint received 2021-09-10
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: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-07-24
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. (PA)

I have been requesting information from the bureaus and they haven't sent me anything. There are several accounts I needed information on. 
1 ) There are 2 XXXX XXXX XXXX one is for XXXX the other for XXXX. one showing opened in XX/XX/XXXX the other XX/XX/XXXX why if money was owed would they have opened another account. There is no way I owe {$2200.00} to XXXX .... This is a mistake 2 ) XXXX XXXX they indicated the payment history was bad starting XXXX of last year that is not correct 3 ) XXXX XXXX this was being paid through my employer they were taking money out of my check for this and there should have been no late payments 4 ) XXXX  and TransUnion are also reporting two medical collections both with a company named XXXX one in the amount of {$520.00} the other in the amount of {$900.00} neither which are mine. These companies keep taking a debt that does not belong to me and continuously sell it to someone else they are not mine. 
I started requesting an investigation to the above accounts back in XXXX and have yet to get anything from any of the three bureaus. WHAT IS GOING ON?
Consumer complaint received 2019-03-12
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. (NV)

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached FTC report. 
Best Regards, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SD)

I have been paying an extra {$100.00} a month on my mortgage payment to be applied to the principal for years, Then in 2021 I had to file for bankruptcy, which, the house was NEVER part of the bankruptcy. My mortgage company at that time stopped putting the extra money they were receiving and putting into a suspended account without informing me of this action, We I did notice I called them and they explained the reason for it and I was told I need to send them a email to let them know what I wanted to do with the extra money I was paying in, which I did, They started to put the money on the principle again then a few months later they stopped and started to put it a suspended account again, once again I called them and they said I need to send them a signed letter once again so I did and at that time I stopped paying the extra amount, But they refuse to put the {$600.00} they are holding in the suspended account and applying it to the principal., I have faxed them many times requesting them to do so. and all I get is a letter saying the same thing. That {$600.00} would greatly reduce my mortgage since it would cut down on the interest over the course of the loan.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (OK)

On XX/XX/XXXX at XXXX Chime or someone at Chime transferred XXXX $ to an account on XXXX XXXX without my permission. Been working the problem out with a guy name XXXX XXXX today the number discounted. Put in a dispute with Chime and they emailed me back saying it was denied but on email they had wrong card number. I keep calling same unprofessional people they haven't mew card or anything about me being scammed. I need help please it was my XXXX XXXX  and my rent is due.
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (MD)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (TN)

XXXX XXXX, XXXX. a company I have never had an account with placed a collections on my credit report. I contacted this company to tell them I paid XXXX directly and would like them to remove this account from my credit file as I have no relationship with this company. The young lady I was speaking to was rude and hung the phone up in my face. I have filed a complaint with this company regarding that lady 's behavior.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

1. Got credit line XXXX. CareCredit/Synchorny Bank . I request XX/XX/2020 but unfortunately, they put a wrong address. I did not received any paper or statemen, we are under Pandemic situation and no payment should be honored in this frame of time. 
2. After a couple calls, I find my number and start to make payments XXXX, they send a statement with deferred interest charged for 18 months ... .. about {$610.00}. 
3. NOBODY never explain about DEFERRED interest will be charge in full if you do not pay in 18 months .... I only have 12 months pay the card.. 
4. They set up a lower payment ... $ XXXX every month .... This is deceitfulness?? They should be set up a equal payment the whole amount not the lower ( around $ XXXX every mouth ). 
5. I pay on time, my last balance was {$1800.00}, and for sure I agree to be charge for this amount of money, I think was around {$480.00} ... .. but not 6. I got a interest {$1300.00}, they said is 26 % .... but I don't know from what!! 
7. I contact costumer services, no explain about it, and no willing to negotiation at all. 
8. I had a previous credit line whit this company and they set up a equal payment for 1 year, no interest and I had not problem before.
Consumer complaint received 2021-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Kikoff Inc. (FL)

Kikoff provides you with a {$12.00} virtual loan to assist with building your credit. They do not give you the {$12.00}, instead they put it in a wallet that is accessible on their website and allow you to make {$1.00} payments via their website for 12 months until the " loan '' is paid off.

Recently, due to Kikoff and other lenders that were processing erroneous accounts, most of the credit bureaus created a threshold at which they would report these types of loans. I did not have the option at anytime to close the account or payoff the loan, I could only pay {$1.00} per month. To my knowledge, this was happening automatically.

During the beginning part of 2021 I had lost my job and kikoff was the last thing on my mind. I had not received any letters in the mail indicating I had an outstanding debt. I also did not receive any emails from kikoff nor any mail correspondence or phone calls from Kikoff advising of an outstanding debt. 

On XX/XX/2021 I received an email that stating that my account was going to be closed for non payment and that they would report my account 90 days late in addition. I was unsure how the account would be late considering the funds needed to pay the " loan '' were in their possession the entire time. I never had the funds. They were simply given to me by them, held by them, and then paid back to them. There was never a transfer of funds from an external source. Additionally, I had not gotten ANY emails from them prior to XX/XX/2021. 

I have attached my account information with Kikoff which shows that my email address is not verified. If they allege they were emailing me all this time, how were they confirming I was getting them as my email was not verified? Therefore they never got any confirmation at sign up that my email was working properly.

Additionally, how was the ONLY email I did get one advising me that my account was closed? You will also note in my email that there is a payment receipt. The other account I had with Kikoff I went ahead and paid in full as that account did require an exchange of external funds from an outside source. 

I am curious how this is legal that a company can " lend '' someone money that is always in their possession and use the SAME funds that were " lent '' to pay back the 0 % interest loan. 

A secured loan is when the lender provides the consumer with a loan of say {$500.00} and holds the {$500.00} in their possession and once the consumer pays them {$500.00} with external funds, the bank then refunds the consumer the {$500.00} and closes the loan. In kikoffs case, the loan funds and the repayment funds are the exact same. I got a loan for {$12.00} and used that same {$12.00} to payoff the loan so if I paid {$1.00} the loan would decrease by {$1.00}. 

They sent me an account statement via email on XX/XX/2021 when I tried to rectify the matter. This statement was never provided to me prior via mail nor email.
Consumer complaint received 2019-03-12
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: First Associates Loan Servicing LLC (NC)

Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (FL)

Around XX/XX/XXXX I moved into a new place and needed internet service. I chose XXXX as my provider. The technician came and set everything up, however, I immediately started having problems with the internet - it was going in and out every few minutes. I contacted XXXX, they couldn't fix the problem over the phone, so they sent another technician. The technician couldn't find any problems, so he recommended I raise my internet speed and that would fix the problem. I called XXXX   and increased my internet speed, which would also increase my future bills. XXXX   customer service rep told me to give it some time and that it should work. After giving it a week or so, I realized that internet service was not better, the internet connection was still in and out every few minutes. Since I am required to have internet for work and XXXX could not help me, I decided to switch providers. I was assured this would not be an issue, since new customers have a one month to try XXXX free of charge and switch to another provider. When I called XXXX to cancel my service, I specifically asked if i owed them anything and was assured that there would be no bill/no charge, since I was cancelling within a month. I was also told to ignore any bills that might come in for a month I had the service, that they were already generated before I cancelled the service. I did receive on bill that but ignored it as instructed. To my surprise, XXXX reported this amount to a collection agency. I called collection agency, explained what was going on and they were going to look into it. I do not believe I received any further information from them. 
This is a small amount to argue about, however it is not okay to fool customers telling them they have a month to try their service with no penalty, especially since I wanted XXXX but they could not figure out why my internet was breaking. It is not okay to be told nothing was owed and then charge entire month of service which I couldn't even use. This is the reason why I have not paid this collection amount, as I am sure there are other customers out there who are/were in the same situation and who were taken advantage of. This is why I am disputing and reporting the problem here. Thank you. 
Date of service : around XX/XX/XXXX Date reported : XX/XX/XXXX Amount : {$120.00}