davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (GA)

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

Account name : Account number : Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I checked my credit report XX/XX/2024 and noticed two fraudulent accounts on my report. I disputed with XXXX, XXXX  and equifax and they said everything was correct but that is not the case. The response about my report is not accurate. 
This is not my account. I have no knowledge of this account. 15 USC 1681b. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2016-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WI)

This is a complaint about Navient Corp. They are the loan servicer for multiple student loans of mine. I recently refinanced my federal and private student loans, as well as my Department of Education student loans that are serviced by Navient with a {$250000.00} private loan ; Navient is also the loan servicer of this refinanced loan. The private loan entity disbursed funds to Navient on XXXX/XXXX/2016 in the amount of approximately {$180000.00} with the intent of paying off pre-specified federal and private, and DOE student loans. However, those funds were applied by Navient in error to only XXXX of my private loans, XXXX of which was never supposed to be paid off in the first place. All XXXX of the loans to which funds were applied were over paid by nearly {$50000.00}. I immediately reached out to Navient regarding this issue, and initially received reassurance that funds could be shuffled around and everything with my account would be made right. It has now been five weeks and my account is still not accurate. In fact, Navient claims that the private loan that was not supposed to be paid off because it was a consolidated loan having a 3.5 % interest rate ( why would I ever refinance it with an interest rate of 5.125 %? ) is not able to be reversed for reasons that have not been made clear to me by the Navient supervisor that I have been dealing with over the phone. When I asked the supervisor to be connected directly with the monetary department who physically makes changes to customer 's accounts to explain exactly what the issues are with my account, I was told there is no way to contact them. Meanwhile, the refinanced loan of {$250000.00} has already accrued {$1500.00} interest and because it has not been disbursed correctly, loans that should have been paid off in full on XXXX/XXXX/2016 also continue to accrue interest that I am paying on. At this point, I seem to only meet resistance from the supervisor handling my situation and I am certainly not seeing progress toward a resolution. I have been more than patient with Navient XX/XX/XXXX, and I believe have given them fair time to address and correct this issue. However, I currently feel backed into a corner and taken advantage of without any control of my own to resolve this issue.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I received a mailer from Citibank in XXXX offering me XXXX miles if I open a Citigold account with {$50000.00} fund and complete {$1000.00} debit purchase and 2 bill payments in two consecutive calendar months. I went to Citibank 's XXXX branch and the branch manager XXXX XXXX personally helped me open the account and confirmed I 'm eligible for the promotion once I complete the requirements ( {$50000.00} fund, {$1000.00} debit purchase, 2 bill payments in two consecutive calendar months ). Please see the attached document she provided me on the promotion outlining the detailed terms. 

I completed all the requirements in XXXX and followed up on the promotion status in XXXX. The assistant bank manager XXXX XXXX has verified that I met all the requirements and she then submitted the request for XXXX promotion miles. 

I followed up again in XXXX through Citigold online customer service but was told that there is a {$300.00} issued to my account from another promotion therefore they will not be able to issue the XXXX miles. I contacted both XXXX XXXX and XXXX XXXX questioning why the {$300.00} promotion is something I 'm completely unaware of and never signed up for. They investigated the issue but came back only stating they are not able to change the promotion I received and therefore the XXXX miles can not be issued. 

I felt completely deceived. First of all, I was never aware of let along signing up for a promotion that offers {$300.00}. I only signed up for the promotion of XXXX miles which I received in the mail, and that is the only one both XXXX XXXX and XXXX XXXX has acknowledged to me. How the {$300.00} promotion got attached to my account seems very suspicious. If this is not deceptive act then I do n't know what is. 

The value of XXXX miles is much higher than {$300.00}. I would never open a Citigold account and funding it with {$50000.00} for a promotion of {$300.00}. However it seems Citibank 's XXXX branch uses the XXXX miles as a bait tricking customer into opening a Citigold account but then switch to a much lower promotion offer. This is an absolutely dishonest and fraudulent banking practice that no customer should ever experience. 

I have attached all the email communication between me and XXXX XXXX and XXXX XXXX. Please do n't hesitate to contact me if you require any other information regarding this matter. 

Thank you!
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (SD)

On XX/XX/2023 my joint savings with my husband was garnished for {$1900.00} and funds were removed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX on behalf of Midland Credit Managment , Inc. 

I was not notified and served of this garnishment until XX/XX/2023 by sheriff delivery. On the notice of the non-earnings garnishee summons it is documented that I would have 30-days to dispute from date of receipt, which I received today. Funds were removed from my account 8-days prior to this notice. 
The amount removed was not money available and I would have made arrangements with the company prior to garnishment had I been notified ahead of time.
Consumer complaint received 2017-03-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

LoanCare, or XXXX. Not sure who the company even is. My loan was sold to them from XXXX, who I was happy with. Now, I am having issues making payments. I had to call 3 times in one day just to get the person to assure me that the loan payment was scheduled. I was then rudely told " I am not sure what you 're seeing on your screen, but this is what I 'm seeing. '' I was then hung up on. That was the second call. The third call, I requested to speak with a supervisor, and was told " none are available. '' Seriously?? I am contemplating refinancing my loan in order to get away from this horrible company. Something needs to be done, and investigation, something. These people are horrible. Never again will I do business, or recommend this company. I will also not recommend or do business with XXXX, not after having been sold this way. My spouse and I are combat vets, using our VA loan for this house, and this has been a horrible experience. Unnecessarily rude and incompetent.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

My wife and I each opened CITI Gold Checking accounts with CITI Bank. I confirmed via instant chat on their website as well as over the phone that we were both eligible, targeted, and had met the spending requirements to earn XXXX AAdvantage XXXX XXXX miles to be credited to each of our accounts ( a total of XXXX miles ). They are denying ever confirming my eligibility and refuse to credit the miles.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-08-06
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. (MS)

In accordance with the Fair Debt Recording Act XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX Acct # XXXX, XXXX # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # 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
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

On or around XX/XX/XXXX I was granted a loan modification which included the language that there would be {$220000.00} of deferred principal balance however I was unable to honor the terms of the agreement In XX/XX/XXXX I applied for another loan modification which superseded the original modification stating that there would not be any deferred amount of money owed. 
I contacted Ocwen over one year ago to resolve this matter and they did nothing! 
Now my back is up against the wall as I need to refinance to pay approximately {$60000.00} of taxes to the IRS by XXXX XXXX, XXXX or I will be subject to large penalties and interest. 
I am in the process of seeking a second mortgage and your current mortgage coupon and the payoff demand both misrepresents the terms of the XX/XX/XXXX modification stating that there is an additional {$220000.00} owed. 
I contacted Ocwen one year ago and this matter was supposed to have been resolved. 
Please expedite and correct this serious matter immediately as I am due to suffer serious financial consequences as a result of this gross error. 
Sincerely XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase XXXX credit card charged me XXXX service fee even when told them that I am not going to use this credit card and do not require their services for travel. The Chase representative refused to refund XXXX fee, even I told them that I am not going to use this card.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (NC)

Hunter Warfield has refused to validate the debt on XXXX occasions, verbally in XX/XX/XXXX when they called me. They then called my brother and mother and disclosed it was for debt collection purposes, in XX/XX/XXXX when I sent a Do Not Call letter and a request for debt validation and in XX/XX/XXXX when I submitted another request for debt validation. Additionally, Hunter Warfield reports different amounts to the different credit reporting agencies.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 
XXXX XXXXXXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. 
Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

I was contacted by a friend through XXXX and she asked to borrow money. I asked her a few questions to verify it was her and she answered correctly. I sent XXXX using my XXXX app but through Zelle to someone she needed to pay ( XXXX XXXX ) because apparently her account was frozen and she was dealing with it. Days later I found out her account had been hacked.
Consumer complaint received 2016-08-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (KY)

They are attempting to collect a debt on behalf of XXXX XXXX bank that I do not believe I owe. They do not provided verification that would be legally binding nor does their alleged client show me owing the money. They refuse to remove this unverified and what I believe erroneous debt from my credit.
Consumer complaint received 2016-02-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (OR)

Convergent Outsourcing Inc. keeps contacting us via mail re a XXXX debt we do not owe, and have never owed. For years, we have used a different carrier for cell phone service. This company is known for attempting to fraudulently collect debts that are not even owed. Maybe there is someone with a similar name who does owe a debt.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

There are two issues here : Issue one : Citibank refused to refund me in full the {$640.00} in membership fees for an old card that I converted to a new, no-fee card in spite of the fact that i had a record of my chat with two other Citibank service reps who promised to refund my fees. They only refunded {$490.00} for the principal card but the third service rep said it was their policy not to refund the fees for the supplementary cards that is worth {$150.00}. 

It was only after I told them that i would report them to the XXXX XXXX XXXX that the balance {$150.00} were refunded. 

Issue 2 : My reward points worth ( thankyou  points ) equal to about XXXX points that Citibank promised will be available until XX/XX/2020 were not transferred to my new card as they promised. Thus I was not able to use them! Although those reward points appeared in my XXXX account ( one of the features of these reward points is that i can use them on this online shopping site ), XXXX told me i couldnt use them and told me to contact Citibank! In spite of several efforts to reach the rewards center, I was always being directed to the wrong department and then eventually my account was blocked! Plus they said that my new credit cards were misplaced by the postal service! 

Full chronology of the events and supporting documents are attached.
Consumer complaint received 2017-02-10
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (KY)

The company specialized loan servicer replied that they have obtained my mortgage but they have not -it was charge off ( dismissal ) they may act as loan servicers but they are also junk debt collectors -. The information of even amount is incorrect. They have started taping little notes to my door stating a field inspector came today with the amount of {$110.00}. The document they sent states {$11.00}. They sent me loan papers to get a loan with them but they are trying to obtain my mortgage -that is gone. This company is trying to get money/my home by using every tactic they can -they are trying to foreclose. This company may act as a servicer but they are doing very illegal/fraudulent acts. This is a total unfair/unjust practice. They are not my lender/servicer. Through researching this company should be shut down. There are so complaints of real unjust illegal practices. My resolution is for this company to stop the harassment. 
Please help me with this horiible company. I have been forced to deal w/them due to the harassment. This company is getting by with all they are doing to consumers because no one in authority is stopping them. 
Sincerely XXXX