davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (GA)

ATTENTION : THE FOLLOWING CREDIT REPORTING COMPANIES ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ; APPLE CARD / GS BANK, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

THE FAIR CREDIT REPORTING ACT 623. Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate Unfortunately this is not the first instance of negligence I have experienced as creditors and credit reporting agencies are often negligent and fail to report or update my credit file on time!
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC (WA)

I have been paying on my Peaks student loan since 2010. I felt that from the start I was tricked into getting this loan. I was pulled aside from my class and told my federal student loan was not available so I needed to get involved with peaks. I was XXXX years old then. After realizing the scam that XXXX tech was I struggled to get a good paying job after graduation. With the lawsuit on the way by the SEC I think it 's about time even for myself to take a stand against the fraudulent acts of XXXX. 

I have sent this information for the 3rd time now. I have not received a call back from XXXX or no one else. So here I am sending it again.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

An unauthorized transaction was made with my card at a XXXX website. I did not use any of the services at XXXX and XXXX refuse to give me my refund or credit back. XXXX and American Express company said that the XXXX website has a no refund policy. Therefore the case is closed. And no refund was credited back to my credit card. This is fraudulent activity to be able take customers money without them using XXXX services is bad practice.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (GA)

I don't owe anything to CARTER-YOUNG with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary corrections or just remove the account automatically. 

CARTER-YOUNG XXXX XXXX Creditor : DXXXX XXXX XXXX XXXX  ) XXXX Balance : {$92.00}
Consumer complaint received 2017-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Asset Management Group, Inc. (CO)

I was contacted by XXXX. XXXX on XX/XX/XXXX. He threatened to sue me and arrest me if I did n't pay off a debt to him. Out of fear, I gave the requested {$500.00} that day, followed by an additional {$200.00} every month following until XX/XX/XXXX. After investigating, I learned this company is a debt scammer, not licensed in the state of California, and not applying the money given toward my debt as verified by my triple consumer report from XXXX. <P/>After canceling the financial information, I received 3 calls that day threatening to sue me once more.
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

We are filing a lawsuit in the amount of XXXX $ against Citi Bank. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. 


Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Our Citibank statements either on line or in the mail no longer have copies of our checks. 
We need to see copies of the checks we write. These checks are documents we need XXXX and for other uses. 
If XXXX can give XXXX of email storage for FREE to XXXX XXXX customers, why ca n't Citibank keep less than XXXX that amount, XXXX megabyte of space to allow us to see our checks as they used to do? 
They only kept the images available for a year or so so it never amounted to a lot of storage. 
XXXX Bank is doing the same on the new account we opened there. 
Please stick up for us consumers. 
If XXXX can do it for free x XXXX, surely our bank can do it too. 
The federal government gave banks the big saving of not having to return the actual check to us. At least let us see the " virtual '' check. 
Thanks for your time and help. 
XXXX and XXXX XXXX you for your help.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am submitting a complaint to request that you will take immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I recently pulled an XXXX XXXX reporting and Chex Systems report, and XXXX  XXXX XXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX  XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy Court on XX/XX/XXXX, and the XXXX  XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (LA)

Roundpoint paid my homeowners insurance IN ERROR. Only my principal/interest and taxes were getting escrowed. I tried calling many times and got different reps that all had different solutions. I paid the {$2500.00} back. They are now sending me a refund because I paid more than their INCORRECT escrow analysis statement and are raising my note {$150.00} a month. I can not get a direct line to any supervisor to get this problem corrected. I have been on hold for over 45 minutes waiting for a supervisor as I am writing this.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (AZ)

Made mortgage payment XX/XX/2021 full amount on time via my online bank bill pay. XXXX XXXX XXXX told me they received my payment and then returned it, XXXX XXXX XXXX, by accident and all late fees for XXXX would be dropped because they XXXX XXXXXXXX XXXX shouldn't have returned my payment. 

However, XXXX 2021 mortgage payment was not returned to my bank account as XXXX claims. I sent XXXX the ID trace # for this missing XXXX 2021 mortgage payment so they could it trace payment all the way back to the federal reserve. I also provided XXXX my bank statement for XXXX 2021 to help XXXX find my XXXX 2021 mortgage payment. 

XXXX is now saying that they received the payment and that my bank XXXX XXXX XXXX XXXX did not honor the XXXX 2021 mortgage payment and it was returned to my account. XXXX XXXX says this never happened per review of my XXXX 2021 bank statement it shows mortgage payment was received and paid in full. 

I have disputed XXXX claims and have been unable to get the help I need to resolve this " missing XXXX 2021 mortgage payment '' plus late fees. I would like my payment found and returned to me asap. 

Even though I have provided the trace id number and bank statement for XX/XX/2021 mortgage payment XXXX continues to put me off. Instead of following the facts XXXX says my payment was dishonored by my bank yet they provide no explanation or proof for this claim.
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (VA)

They called me 5 times today, XX/XX/20 and hung up on me when I answered the last call and told them to stop calling me. XXXX, Twice at XXXX, then XXXX, and XXXX. 

This company has called me anywhere from XXXX to XXXX 5 or more times a day for the last few weeks, but when I answer and tell them to stop, they hang up.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

A Bank of America credit analyst agreed to open a new Merril Lynch card with sign up offer of XXXX reward points if I closed and transferred 4 existing accounts with their credit lines to the new card. I agreed to do so and received the new Merril Lynch card in the mail with its credit line of {$20000.00} plus ( from transferring my closed accounts credit lines ). Upon activating I was made aware the new card will not be honored per the original offer by the credit analyst and has in fact been closed. So, in addition to not being able to take advantage of the Merril Lynch offer and card, I also lost all the credit lines with the cards I closed by the credit analyst and to no fault of my own. I spoke with a manager in the credit department to address the issue and was told they would not honor the original offer and expectations that were set with me. I would like this to be done as it was Bank of America 's analyst who made these initial arrangements with me.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (FL)

Was notified on XX/XX/2022 I was locked out of my navy federal bank account without notice I then went into a branch I properly identified myself and was told it would take 10 business day to resolve this matter here it is XX/XX/2022 my case hasnt even been touch after being told by multiple representatives is was in progress I need my medication I have bills to pay and this is causing me to have a lot of missed and late payment due to no access of my account I have tried to resolve this issue on multiple occasions nothing has be resolved no one has answers or no one has reach out nor sent any documentation
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group (SC)

I have been receiving calls at my office from Premier Portfolio group. They want me to make payments, but have not stated for what. They called my work number I told them I can not receive personal calls at work since I am in a dispatch office and the phone is used for business only. They have called every day for 4 days straight even after they were informed that I can not take this call at work. As a matter of fact the young lady that worked for them said they were going to just keep calling.
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Vinci Law Office, LLC (CO)

Vinci Law Firm called me this morning and I only know they 're a debt collector because I called back. In my initial contact with them, they asked for me by my legal name ( which I only use for strictly legal matters ) and when I asked what this was about, they refused to tell me so I said it was me. Then they demanded the last 4 digits of my social security number to `` verify '' it was me. When I tried to get the information anyway, they insisted and when I refused, they hung up on me. 

I called back moments later and demanded to speak to a supervisor. I was put on hold for a minute and then redirected to a voice mail. I told them to stop calling me, I know they have to disclose why they 're calling, and they ca n't verify by asking for my sensitive information like my social security number.
Consumer complaint received 2024-02-22
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc. (GA)

On XX/XX/2017 I submitted a police report, identity theft affidavit, proof of address, Identification, and statements, to XXXX XXXX XXXX notifying them they were reporting a account to the credit bureaus that was a result of fraud. 

The account number is XXXX. 

On XX/XX/XXXX and XX/XX/2017 I requested notification of debt because notification was never sent to a valid address. Collection agent XXXX confirmed that the original notice was returned by the post office as an invalid address. Even though the collection agent XXXX and supervisor confirmed that they never sent the notification of debt to a valid address they refused to send it to the address. 

The collection agent XXXX and supervisor said they could not send notice of debt because the item was in dispute yet on XX/XX/2017 they verified the fraudulent debt as valid to XXXX, XXXX, and XXXX even though they placed the item in dispute status for fraud on XX/XX/2017.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (AZ)

XXXX   XXXX  Regulated does not have license to practice / collect in Arizona where i reside.      XXXX   XXXX  claims I have an outstanding electric bill.     On  XXXX   XXXX  I received a letter from Contract Callers Inc or  CCI  concerning the  XXXX  account.     I sent a letter to dispute to  Contract  Callers requesting a validation or verification of the bill.     On  XXXX   XXXX  i saw  XXXX   XXXX  put a collection on my credit report.     I called  Contract  Callers on  XXXX   XXXX . Spoke w/  XXXX   .  They told me, that received the bill on  XXXX   XXXX  from  XXXX  and they sent me a letter on  XXXX   XXXX . They told me they had received my dispute ; and noted to me that  XXXX  Reported the collection on my report. I asked to speak to a supervisor and was told the Supervisor  XXXX  didnt want to speak to me.   supervisor  XXXX  ext  XXXX .     I called  XXXX   XXXX  and asked to be connected to the Collection department. I was transferred again to  Contract  Callers.       XXXX   XXXX    NOR Contrac t has followed the process of the Fair Credit Reporting Act.   I am by law allowed 30 days to dispute.     The notice i got from  Contract  Callers was received on  XXXX   XXXX . I responded to the company prior to the 30 day limit.      XXXX   and/or Contract  Callers have violated the law.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I contacted Capital One customer service to find out why my balance never goes down when I make every payment on time and hardly ever use the card. The man that I was speaking with was fairly pleasant through the conversation. I was not understanding what he was telling me. He said he would transfer me to someone else. As he was transferring me to another person he began cursing in English and XXXX ( XXXX ), and said something about XXXX my mother. I was so shocked I did not say a word. Once I was transferred I asked if the previous conversation was recorded and explained what happened. He said it was recorded and that they would look into it. The second representative credited me my interest for the last month for my inconvenience. I do n't feel that this is enough compensation. I did nothing to deserve being spoke to in that manner.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (VT)

In XX/XX/XXXX I began XXXX school with a unsubsidized and subsidized loan. I was counting on Public Service Loan Forgiveness via the XX/XX/XXXX College Cost Reduction Act. Shortly after graduating, my loan was sold or transferred from XXXX to Aspire. I was set up on a " level '' payment plan- {$490.00} a month. I called Aspire repeatedly to make sure I was on-track for PSLF. Aspire 's phone staff/loan counselors assured me repeatedly year after year that I was on the right track and I just needed to keep making payments. At one point I had even inquired about income based rates and had been told if I deviated from the level plan I was on, I would lose loan forgiveness. In XX/XX/XXXX, my loan was transferred to XXXX. XXXX informed be that no payments I had made would be eligible for the PSLF, despite what Aspire told me. I called Aspire who tells me they shredded all my docs and everything went to XXXX, other than that they conveniently have no record of me. I am now out 10s of thousands of dollars that never went toward PSLF and I have to start all over again! I have paid approximately $ 40K! Had I been on an income based plan, I would have paid a faction of that before I was paid off. Aspire misled me and is now trying to pass the buck to XXXX. XXXX helped me by being truthful. Aspire misled me and cost me years and money! This is wrong!
Consumer complaint received 2022-03-03
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. (GA)

Hello my name is XXXX XXXX, I am writing because TransUnion credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or TransUnion would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or XXXX will send a response accusing of me using a credit repair company, which is certainly not true.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

I was in forebearance and my loans were reported as 90 days late on my credit report for no reason. They were never reported as 30 or 60 days late. I now have negative credit because of the wrong information.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY (SC)

I received an alert on my credit report with the XXXX credit bureau XXXX XXXX and XXXX and notice incorrectly information on my correct report. I have contact the original creditor and they do not have my information into their system so this collection needs to be deleted off my credit report ASAP.
Consumer complaint received 2017-04-13
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc. (GA)

The aforementioned credit collection agency representing Santander Consumer USA has violated the FCRA by not providing documents to me in regards to this debt. I have no knowledge of this debt and have not received anything that pertains to this debt. This account is unverified and all collection actions need to cease indefinitely. This business is required to disclose to me all of the documents that they have recorded and or retained in their files that pertains to this debt.