davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIZENS FINANCIAL GROUP, INC. ()

I HAVE TO US ADDRESS, BUT ONLY USED MY MOTHER 'S ADDRESS AT A TIME WHEN CITIZENS BANK WOULD NOT ALLOW ME A FOREIGN ONE. THEY ALSO TOLD ME I HAD NOT BEEN BORN IN PENNSYLVANIA, THOUGH I WAS. THIS IS KAFKAESQUE. FINALLY, THEY SUGGESTED I LOOK FOR ANOTHER BANK. SO ... NOW I FINALLY HAVE A CARD THAT DOES N'T WORK, AND THE BANK WO N'T SEND ME THE PIN. IN SIX MONTHS, IF I DO N'T USE IT, IT WILL AUTOMATICALLY BE CANCELLED. IS THERE SOME LONE RANGER, MASKED AVENGER, OR OTHER, THAT CAN EXTRACT ME FROM THIS  NIGHTMARE? I HAVE BEGUN LOOKING FOR ANOTHER BANK, AND I 'M CONSIDERING HAVING MY RETIREMENT INCOME DEPOSITED AUTOMATICALLY IN MY XXXX ACCOUNT OF 12 YEARS, BUT THERE ARE BUROCRATIC PROBLEMS. HELP ME GET THE PIN!
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have two loans that were serviced by XXXX/XXXX  XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

My data may have been compromised as part of the Equifax data breach. I did not find this out through any notification from the company, but from word of mouth and individuals posting a link through which I could check if I had been affected.
Consumer complaint received 2017-09-10
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)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (NY)

My dealings with Discover Bank Online service started in XX/XX/XXXX through XXXX, realized my checking account in the amount of {$560.00} at Discover Bank has many unauthorized transactions of withdrawals and purchases dated from mentioned dates previously. A written statement disputes and police report has been filed on XXXX in order for Discover Bank to continue their investigation, a provisional credit has been honored in the amount of {$560.00} for the month of XXXX. Thereafter, Discover Bank has issued me a new debit card but with the same checking account number that is affiliated with my account which is the main checking account number in order for any type of transaction ( s ) to be issued against that account number. The reasons for these disputes of unauthorized transactions and purchases, person ( s ) has or still invaded my private premises without invite, therefore the person ( s ) has altered or counterfeited my personal information. This  activity is still on going for the month of XXXX as there was an unauthorized transaction of withdrawal from my account in the amount of {$340.00}, and yet Discover Bank does not want to honor me provisional credit as stating the transaction was valid on their end! As there is a conflict between I the consumer and Discover Bank Online as I have submitted supporting documents including police report for the same activity for unauthorized withdrawals. Please assist me on retrieving a provisional credit from Discover Bank as it is affection all angles of my financial living. 
Supported documentation has been submitted to Discover Bank and still no call backs or updates on honoring a provisional credit in the amount of {$340.00}. I also filed a complaint with XXXX reading unfair circumstances with financial institutions. 

Need further supported documents or information please feel free to contact me.
Consumer complaint received 2017-09-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (GA)

I had a mortgage with Ditech and refinanced with another lender in XXXX. I am due a refund from Ditech for my escrow account and have yet to receive my refund. Ditech said they issued a check on XXXX and when I called at the end of XXXX I was told they could not report it lost until 30 days. I called on XXXX and they supposedly reported it lost and were issuing me a new check. I called on XXXX and they said they would transfer the money directly to my checking account with in XXXX business days. It is now XXXX and I still do not have my refund.
Consumer complaint received 2017-08-22
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. (TX)

On XX/XX/XXXX, I mailed a copy of my police report, driver license, identity theft affidavit to equifax ( certified mail XXXX XXXX XXXX XXXX XXXX ). Although they verified receipt of the mail via phone and returned receipt, the fraudulent accounts remain on my credit. The accounts are as follows : XXXX XXXX XXXX - XXXX Amount {$370.00} XXXX XXXX XXXX Account - XXXX Amount : {$71.00}
Consumer complaint received 2021-02-01
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: VW Credit, Inc (FL)

VW CREDIT XXXX XXXX Opened XXXX XXXX, 2016 Balance {$1200.00} I'm concerned about the quality and reliability of your latest analysis and the past due payments meant for this specific account and the way it is reporting on my credit report. Just about 45 days ago I sought after an inspection on account that I felt the item is not being recorded currently. To my shock, I have been given a document proclaiming that your evaluation was accomplished and that the item had been " validated as exact. Placed under Section 1681 ( g ) make sure you grant me with a detailed description of the method useful to confirm the account is " legitimate '' and mail me the name and addresses of persons emailed in every policy in the FCRA.
Consumer complaint received 2017-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

all of the above- refuses to dismiss as fraud when the company decieved me. 
onemain has not proven that they bought the account from a 3rd party collector.
takes 90 days ( limit is 30 ) to respond to challenges and then continues to refuse to remove negativity.they were contacted by XXXX XXXX and refused to them also for 9 mos. 

since the company defrauded and decieved me then refused payment twice from legitimate banking info- I REFUSE TO PAY THEM. I have the RIGHT TO REFUSE under FCRA. 

therefore account must be deleted. keeps reporting as " in collections '' to the bureaus despite multiple legal demands. DEBT IS NOT OWED. THIS IS EXTORTION.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The matter is in reference to a XXXX XXXX XXXX ( XXXX ) utility account I held from XX/XX/XXXX XX/XX/XXXX. The account 's final bill was reported to Equifax Credit Bureau as not being paid. I have attempted ( three times ) to resolve this issue directly with XXXX, yet have received no response from them. While the XXXX electric utility account was in my name, payments were handled by a third party XXXX a roommate ) who failed/overlooked closing out the final XX/XX/XXXX bill. InXX/XX/XXXX, when the final bill was past due, I did not receive any email, mail or phone notification from XXXX that there was a past due balance. ( XXXX had all of my contact info. ) Therefore, I did not have a reasonable opportunity to fulfill the obligation and make final payment before the account was reported to Equifax credit bureau. In XX/XX/XXXX, I learned of the collection and immediately paid the account in full to clear the balance of {$240.00}. The collection account now shows as " closed '' with a XXXX balance on my Equifax report. Considering the facts of this matter, I am asking Equifax to remove the closed/paid XXXX XXXX XXXX account from my credit bureau report.
Consumer complaint received 2022-02-08
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. (TX)

Hello, I am writing due to non-compliance with Equifax, XXXX, XXXX. They have failed to remove information that was affiliated with personal details that were challenged recently. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed items.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

There are XXXX accounts by Bank of America that show a status of " CONSUMER XXXX ''. I did have these accounts but I am not now, nor have I ever been XXXX.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (FL)

Date : XX/XX/2022 Company : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Paid A Settlement Amount Of {$310.00} ( Confirmation # XXXX ) For Collection Account # XXXX To Be Removed And Was Told In 30 Business Days The Account Will Be Removed From All Credit Bureau XXXX XXXX
Consumer complaint received 2016-08-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (IL)

Chrysler Financial placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached Chrysler Financial Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in back in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting Chrysler ( Now doing business as TD Auto Finance ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX 's let the vehicle sit on that lot for 5 months and failed to notify Chrysler. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that Chrysler dba T.D. Auto Finance immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
Consumer complaint received 2017-09-10
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. (NM)

This complaint concerns the XXXX data breach during the summer of 2017, their failure to report theincident in a timely manner, and as of today their failure to make available who data was included in the breach. I followed instructions on Equifaxs web site to determine my status in the breach and received this notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. 
Click the button below to continue your enrollment in TrustedID Premier. '' This is an unacceptable message telling me that they believe PII may have been impacted by this incident. 

This message is posted on their web site as an update to the problem : " Cybersecurity Incident & Important Consumer Information Consumer Notice FAQs Potential Impact Enroll TrustedID Premier Contact Us A Progress Update for Consumers XXXX XXXX, 2017 We understand that some consumers are experiencing difficulties getting the answers and support they need through our website and call center. Ramping up the website and call center to handle the anticipated volume is ongoing and we are focused on making improvements as quickly as possible. We apologize for any inconvenience this process has created. 

Thus far today, weve made the following adjustments : 1 ). YOU CAN DETERMINE YOUR STATUS IMMEDIATELY Some consumers who visited the website soon after its launch failed to receive confirmation clarifying whether or not they were potentially impacted. That issue is now resolved, and we encourage those consumers to revisit the site to receive a response that clarifies their status. 

2 ). NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and TrustedID Premier terms of use does not apply to this cybersecurity incident. 

3 ). EXPANDED OUR CALL CENTER We have tripled our call center team to over 2000 agents and continue to add agents. 

Our goal is to make this process as convenient and consistent as possible. We will continue to identify steps to improve this process. 

And we will continue as well to listen to your comments and suggestions. '' I still ca n't find out if my data has been stolen. I should never be required to any arbitration rights due to a problem caused by XXXX or any other credit bureau. I do n't have a choice as to whether they have my PII data or not. I should have no fees associated with applying a credit freeze on my account due to Equifaxs errors, or carelessness compromising my PII data.
Consumer complaint received 2017-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

XXXX XXXX- payment of XXXX due as of 2017. 
I have been to the doctor once this year and I have insurance. And I have paid the remaining balance in full. Im unaware of what to do. Or where this even came from. Please help me.
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield and Associates in XXXX TN contacted my ex-spouse about an account that has several medical bills attached to it. He was even subpoenaed to a court date. The bills are solely in my name and always have been even at the original providing facility. Wakefield and associates even sent him a detailed statement to my ex-husband at his address.  After I made it clear to them we were no longer married and that this could possibly even violate some health information protection acts. These bills are in my name and have been discussed extensively with him before I was even aware of them due to me never receiving any mail at my current address even though mail at my old address with my old married name is to be forwarded to my new address. So I assume I never received any mailings. Also, this company refuses to take any less for a payment than {$200.00} per month.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citi bank claims I rejected thier rates skyrocketing in XXXX so they decided to close my account with out my authorization and stop my purchases during XXXX and XXXX XXXX  for no reason because I asked them to give me a reprensentative in th united state instead of a untrained XXXX agent on my telephone line that could not answer of why account was skyrocketing .This is a sabatoge of my account that i had since 2009 and racial profiling of my account due to my XXXX american diversity. FOR THEM TO LYE ON THIS PHONE XXXX TIMES AS THE REAL CAUSE OF THIS CASE COMES AS PLAIN AS SIMPLE MY DIVERSITY AS ALSO WITH THE COMMAND FOR CITI TO PUT MY ACCOUNT BACK LIKE I HAD SINCE 2009! THIS IS FULL RACIAL EVENT ON THIS CASE AS I CALLED THEM TODAY AS I AM WRITING TO CORRECT A WRONG WITH CITI ASSOCIATES CANCELLING MY ACCOUNT ON PURE A RACIAL DISCRIMINATION EVENT! my account should not been cancelled for defending my right to ask why was citi raising thier rates so high with the same credit card i had for since 2009 and could not give me a answer! I balieve the true issue was my race and the hard to answers the questions i had for thedm on line with XXXX different customer service agents that really could not answer!
Consumer complaint received 2017-08-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

Find attached my daughters amortization schedule to date on her Navient student loans. XXXX XXXX consolidated two of my daughters loans on XX/XX/XXXX for a total of $ XXXX. Other than when we were on IBR ( XX/XX/XXXX to XX/XX/XXXX ) we have paid monthly. During the IBR we paid approximately {$3800.00} to try and keep up with the interest due. After the IBR, they almost doubled the payment, which we could not afford, so they reissued the loan at a similar rate as before. The attached Navient amortization schedule is very unusual as compared to a normal loan amortization schedule ( see attached XXXX loan statement along with a Direct loan sample sheet ). In almost 12 years we have made no headway on principal and the loan wo n't be paid off till XX/XX/XXXX. I believe this represents misapplied payments, which is the heart of the CFPB lawsuit against Navient. Please advise if I need to do anything else. I will attach documents sent to XXXX XXXX in a request for help along with the response from the Department of Education
Consumer complaint received 2021-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (NJ)

Accessed my XXXX XXXX file and noticed that AMERICOLLECT who is a third party debt collector is reporting on the credit bureaus a medical bill from XXXX  XXXX XXXX XXXX XXXXA debt validation letter and cease and desist letters will be sent out to AMERICOLLECT, XXXX  XXXX and all credit reporting agencies disputing this inaccuracy on my and violations against me by the said companies.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OR)

on XX/XX/XXXX i contacted tye Enhanced Recovery Corporation and gave them the information to my bank account to clear my debt with them. on XX/XX/XXXX I contacted the company again to verify the payment had been made. i was informed that the payment had gone through and the debt was satisfied. on XX/XX/XXXX I was contacted by them again and told that the account had come back with non sufficient funds. 22 days after being told the payment had cleared. i then contacted them again on XX/XX/XXXX and had a manager yell at me and tell me that the account used was fraudulent. this was almost a month after being informed that tye payment had been processed and the debt was cleared.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

7 years ago, someone hacked my credit and stole my identity posing as me but without my full legal name..I have written to Experian credit union and repeatedly they have shown negligence in removing fraudulent items from my report. I have spoken with supervisors for hours on end and gotten no assistance. My initial letters, police report listing fraudulent items and FTC affidavit were mailed to them XX/XX/XXXX. It has been over 45 days, the legal amount of time they have to investigate the items. The following items are still fraudulent being listed on my credit report under Experian. No legally required notorized verification was provided to me showing that these items are mine nor proof from the lenders, which is required by law.I have spoken with numerous supervisors at Experian and XXXX and they have not done thier job to investigate. When I have provided the uploaded prove these were not mine, they still did not remove. This has NOT been done so therefore these items must be removed. XXXX XXXX XXXX # XXXX XX/XX/XXXX, {$380.00} ALSO INQUIRIES NOT MINE : XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX, XXXX, XXXX, XXXX XXXX XXXX