davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I have been put in continuous forbearance with huge amounts of interest applied for over a 10 year period and not told about  IBR  options until last year. I only make about  XXXX  a year and my balance has gone from about  XXXX  to  XXXX  now. I have made payments when I can but I struggle and I filed BK  XXXX  in  XXXX  in    2013  with an income of only about  XXXX  a month and was not allowed to put in on the bankruptcy?
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021 we received an email from the bank informing me that an " unusual '' transaction was cancelled and immediately received another email notifying me that I would not be able to use the 3 accounts and that they would be closed soon. 

A few hours later that same day, I called the bank to find out the status of the accounts and was informed that they would soon be closed and that if I had funds, the checks would be mailed to the address on record. Between my accounts at that time I had a total of XXXX USD. 

Today, XX/XX/2021, I called the bank again and they told me that the account was not closed, but restricted and for that reason they could not send me the funds, which I find disrespectful as they are playing with other people 's money since those funds were intended to pay the payroll of my employees. 

I understand that they want to close my account, but they can't hold the money until they want to. I need them to send me the checks to the address on record as I was notified the first time. They can't hold my money without giving me a valid reason. It is unprofessional for them to inform you of something and then do something completely different without notifying you, as I had to call to be told the new status of my account.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both XXXX and Equifax. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.
Consumer complaint received 2021-07-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (CA)

On or about XX/XX/2021, I received a phone call from Hyundai Motor Finance. I invoked my rights under 15 USC 1692 ( h ) and ( c ). I asked them to validate this alleged debt and cease and desist collection and the harrassing phone calls, until that was completed. I was put on hold for 43 minutes, I hung up. 
On XX/XX/2021, I was contacted by XXXX at HMF, and when I tried to invoke my consumer rights she laughed at me, said I needed to bring a balance current, and that she was trying to help me before I lost my car. I invoked my rights pursuant to 15 USC 1692 ( b ), ( c ), ( d ), ( g ), ( h ). She left me on hold a total of three times when I asked for management, she yelled, she laughed and mocked me, she then, after two hold periods, said she would put in my cease and desist, because I was " throwing codes at her ''. While laughing, saying that this wouldn't matter. I asked her to validate the alleged debt in writing, ultimately, after 42 minutes, I was transferred to XXXX, who said that I need to bring the balance " current ''. I invoked the same US codes, and he said he was ending the call. I do not feel this was lawfully or satisfactorily resolved. I felt harrassed and ridiculed. I have since sent an affidavit to the CEO XXXX XXXX by certified mail number XXXX. I also forwarded a complaint about my treatment. Again, I do not feel this was resolved. Thank You.
Consumer complaint received 2021-08-13
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. (MA)

experian conducted an investigation into a disputed account being reported by XXXX XXXX. they completed the investigation and deleted the account on XX/XX/21, and today it was " updated '' and reappeared on my account. they refuse to remove the fraudulent account although the investigation was completed and all proper documentation was provided.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NY)

I noticed on my credit report that an Agency by the name of " The Bureaus " has put a collection debt on my credit report. I have sent them notices to " VALIDATE '' not " VERIFY this claim and send any VALID proof that this Debt belongs to me. They have unsuccessfully provided any Validation that I have a legal obligation to pay them any such money claimed. I have also reached out and sent notices to the 3 Credit Bureaus, XXXX, XXXX, & XXXX about reporting this false claim on my credit report as well. None of the above institutions can provide any proof that I owe this money to said Company-The Bureaus nor that I am legally obligated to pay amount claimed nor that this account belongs to me.
Consumer complaint received 2019-06-07
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: SYNCHRONY FINANCIAL (FL)

Company has wrong info of denial. They have told me to contact XXXX but XXXX says they dont have the info the bank has on their credit report. The bank did say my credit was XXXX out of 300 min to 620 max. Company also continues to deny an interactive good faith process to accommodate my XXXX. Company also has failed to accommodate any of my XXXX in any way. I am making a new complaint because I could not get access to my previous complaint. This is an addition to that complaint.
Consumer complaint received 2019-06-07
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. (CA)

Equifax is not responding to my dispute, Items where removed from XXXX and XXXX  promptly, more than 30 days have passed, I've sent my ID Theft report, as well as other supporting documents. Can not access their dispute feature online, have sent multiple faxes.
Consumer complaint received 2022-03-29
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (KY)

Hi, I recently disputed a late payment report from Sears on XXXX complaint # XXXX. This issue occurred on XXXX and XXXX of XXXX where a late payment occurred. This was XXXX XXXX years ago! At this time, Sears was experiencing some financial issues as well. Their communication with their credit card owners was Not consistent, and they later closed the local Sears store. I did resolve and make the payment many years ago, and this account was closed. Sears responded by updating information. I am strongly requesting that this item be REMOVED from my credit report due to the length of time that has passed and its irrelevance to my otherwise excellent credit payment history. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. XXXX XXXX XXXX for XXXX and XXXX There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that Transunion, XXXX  and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are XXXX XXXX XXXX for {$700.00} and {$5400.00} both for XX/XX/2018 XX/XX/2018
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP (GA)

My family member ( s ) receive calls without giving me a chance to return their call. Example i.e., I was working today received a voicemail and within minutes they call my family member looking for me. This is not the first time they have called my family after leaving voicemails for me. They KNOW how to get in contact with me and need to stop harassing my family. This is ridiculous and harassment. I WANT IT TO STOP NOW. I voice my wishes with the local office today in XXXX GA.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

Kia Motor Finance assessed several months of delinquent/late payment reporting on my credit report. This delinquent reporting was done for the months that were after the account was closed and the title issued. Account was never late. Credit report shows that while the account was open, the account was never paid late. 

I have tried to dispute through the credit agencies, no solution. Wrote multiple letters to KIA with the return response in a form letter stating that they are correct. How can payments be late after the account has been closed. The late reporting is affecting my credit score and I would like it removed. I believe they are in violation of The Fair Trade Credit Reporting Act.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX  ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 )  XXXX XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX )
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WI)

This is the third time we have had to report a problem with Synchrony Bank, regarding the XXXX XXXX credit card. The previous two complaints were originally submitted through the Wisconsin Department of Consumer Protection, and then forwarded here. Now that we have an established account here, I am submitting this complaint directly. 

The problem, in each case, is the same. We are being charged late fees AFTER we post on time payments. We have screen shots to prove this. In the first complaint, submitted here on XX/XX/2018, Synchrony accepted responsibility and refunded the late fees and restored the account to good standing. We made all subsequent payments, but were nevertheless assessed late fees, again after paying on time. ( Again, we have screen shots of the account which confirm this ). As the letter submitted by Synchrony Bank in response to the initial complaint confirms the account was restored to good standing, and as we made each of the next two payments on time ( easily confirmed through the due dates and the dates the checks were cashed by Synchrony ), there was no justifiable reason to assess late fees. Yet in XX/XX/XXXX, a {$35.00} late fee was again assessed, after a full payment of {$84.00} was processed before the due date. 

At this point, we resubmitted our complaint, because Synchrony Bank was simply non -responsive. ( It is a policy, apparently, of Synchrony Bank to conduct all conversations with customers over the phone, which does not allow for written records to be maintained by the customer. We insist on all correspondence with this company, given their track record of questionable practices, to be in writing. Because the company makes this almost impossible, we are struggling to communicate with them. ) The second complaint was met with less consideration, which may be seen via the written response posted here to that complaint, which we filed in XX/XX/XXXX. Since then, we have been unwilling to send additional payments, as they are NOT honored or processed fairly. This has led, inevitably, to additional late fees and threats from the company - in addition, because they will NOT communicate with us in writing ( email or regular mail ), we have reached an impasse. 

Our credit has been adversely affected by this situation, and we are now beyond frustrated. We will make the necessary payments to bring this account to good standing, but we expect a full refund of ALL late fees, as well as repair to our credit. 
We also demand that this account be closed. We will certainly NOT do business with Synchrony Bank, under any circumstances, again. 

We would also ask that a more comprehensive investigation into the late fee/payment policies of Synchrony Bank. It seems very apparent that we are not the only ones being victimized in this manner.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened a checking account ( account number : XXXX ) with {$500.00} promotion bous in XXXX and met all of the requirements. However, I haven't received the bonus yet. I was trying to contace the customer service but they never responded to me. Could you please help me check this issue? Thanks~ Details of this promotion : Truist is offering a bonus of {$500.00} when you open a new checking account and complete the following requirements : Use promo code XXXX Complete two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (GA)

Here is what I've send XXXX  : RE : Account Number : XXXXXXXX XXXX XXXX XXXX Dear XXXX Customer Service Team, I am writing to bring to your immediate attention a discrepancy regarding two recent payments intended for my XXXX XXXX XXXX XXXX account, which ends in XXXX from my account at Sofi. 

Upon reviewing my checking account statements, I have noted that XXXX transactions ( Sofi IDs XXXX and XXXX ), each for the amount of {$1000.00}, were processed and deducted from my account. However, when checking my credit card statement, I see that XXXX has only recorded XXXX corresponding payments of {$500.00} each, totaling {$1000.00}. 

This presents a significant discrepancy of {$1000.00} between the amounts debited by Sofi from my checking account and the payments credited by XXXX to my credit card account. 

Given the seriousness of this matter and the substantial amount of money involved, I kindly request that XXXX conduct a thorough investigation into these transactions. I would appreciate a detailed record of the payments as received by XXXX, and an explanation for the missing {$1000.00}. 

I trust that XXXX will address this matter with urgency and provide a prompt resolution. Should you require any additional information or documentation from my side, please feel free to contact me directly at XXXX. 

I look forward to your immediate response and a swift resolution to this issue. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (AL)

My account is restricted and I have no access to my money. I need the restriction lifted. I received a loan for ppp and they locked my account because They needed to know where the money come from. I faxed my loan documents to them as they asked. I just need my money, I have kids and bills to pay.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: CARD Corporation (PA)

Card.com speaking to XXXX about withdrawing to pay my rent they block so I will not get money out, I call 5 or 6 times and theres something they can card!! I never file a dispute so they dont have no business blocking my card!! I email card.com asking them why did they take my XXXX from unemployment took the out and then put back in my account! Card are scamming people out there money and Im a XXXX please investigate this company
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

A person claiming to have a ticket for an event I wanted to go to posted on my local university event page. 
I responded to the post, asking to buy one of the ticket. 
I was only slightly alarmed at how the scammer 's XXXX profile was empty except for a profile picture, but it was late at night ; I did not really mind it. 
The scammer bartered with me for a little bit and told me to pay them via Paypal. 
I was directed to send money to the paypal account linked to XXXX under the name of XXXX XXXX. 
After sending the money, I got suspicious. 
The scammer claimed to be checking the payment to ensure it went through, but the payment had already been claimed on paypal, so I could not retract my payment. 
Then, the scammer deleted their XXXX profile so that I could no longer message them. 
I then promptly called the local police on the non-emergency hotline to file a case.
Consumer complaint received 2017-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL CLIENT SOLUTIONS, LLC (IA)

I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency Global Solutions back in XX/XX/XXXX and then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX Global Credit Solutions {$50.00} XXXX XXXX  XXXX XX/XX/XXXX Global Credit Solutions {$35.00} XXXX XXXX XXXX  XX/XX/XXXX Global Credit Solutions {$32.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.
Consumer complaint received 2020-10-13
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. (SC)

Experian posted inaccurate accounts on my credit report. 3 collections that were not correct. I provided Experian with bank statements showing payment on collections including the payoff of the account BEFORE it went into collections. They updated my file and then the next month reverted back to incorrect information. I have contacted the account and they said they turned it to collections and no longer have access to it. I do not understand why Experian is allowed to post inaccurate information with NO recourse. A consumer has no recourse but to just complain. Why is Experian not liable for false information. They should be required to vet all information prior to posting.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NV)

This is an old cell phone bill originally by XXXX, that occurred in XX/XX/2012 while I was in high school working a part-time job. I paid on it until my temporary job ended and it took awhile to get another part-time job. Due to limited income I was not able to continue to pay and XXXX turned the unpaid bill over to a collection company. This is now affecting my credit score and now affecting my ability to get a good job with a federal agency. I am willing to settle the account but I would like proof of the contract which I am not getting.