davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NC)

I contacted Aidvantage on XX/XX/XXXX asking for a refund on all loan payments made from XX/XX/XXXX until that day. 

I was told that my refund would be processed immediately - I should see my new balance in my account within 2-3 weeks and could expect the refunded amount to be deposited to my checking account shortly thereafter. 

The approximate time given had passed and the refund had yet to be processed. So on XX/XX/XXXX I called customer service back asking for an update on my requested refund. That day, I was told that my loan request had been submitted on XX/XX/XXXX and was still waiting to be processed. I was given a new adjusted timetable of 4-6 weeks time to allow for processing. 

The 6 weeks has since past and no movement on my refund. So today, XX/XX/XXXX, I called Aidvantage once again asking for another update on my refund. I was told that my refund was still waiting to be processed and that I should expect processing to occur within 6-8 weeks. I asked the representative for the date in which my refund was approved and they stated XX/XX/XXXX. 

I have been told differing information each time I have called Aidvantage and have never received a confirmation number or email with confirmation - even though I have requested multiple times.
Consumer complaint received 2022-02-15
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. (LA)

The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( XXXX, Equifax and XXXX ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Item 1 : XXXX XXXX bank account balance {$400.00} is not correct, balance is XXXX. 

Item 2 : XXXX XXXX account # XXXX is not on credit report. 

Item 3 : XXXX XXXX  account # XXXX is not on credit report. 

Item 4 : XXXX XXXX account # XXXX is not on my credit report.
Consumer complaint received 2016-03-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (MO)

I requested that Home Depot XXXX provide me with business records relating to my account. I requested the information XXXX XXXX, 2016 in writing. I contacted Home Depot on XXXX XXXX, 2016, to inquire about the documents that they had 30 days to submit. I spoke with XXXX XXXX and XXXX in the customer protection department, they XXXX stated that they do n't have to provide me with any forms of verification of the debt
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

As a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal permission Per 15 usc 6802. This is effective immediately.

For only the accounts and inquires listed in my complaint. The Law states it is illegal to report transaction history. 
Who gave you the CRA, and these other companies permission to furnish my privacy. This is a violation of my privacy, and your duty as a transfer agent to my ACCOUNT. You are damaging my reputation with false information. 

I want the listed information removed and my score updated immediately.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (IL)

I am writing because I have a account on my credit from WF/XXXX acct number XXXX I have disputed this acct it came back verified and I am requesting information to be sent to me on how it was verified if that can not be provided to me i am requesting that this be deleted immediately. 
15 U.S. Code 1692g - Validation of debts Failure to send the consumer a written notice of the debt
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have a loan that was transferred to a new loan servicer on XXXX. 
The new company is insisting I am late for XXXX and XXXX. I am not late but even if i were, they can not try to collect for months they did not have the loan. 
The Company is Bayview Loan Servicing , LLC . 
XXXX, Florida XXXX
Consumer complaint received 2024-03-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company (CA)

told them to give me the original contract and signed contract by me, and debt validation letter by original company creditor. 
proof of the debt was sold and paid for in XXXX in XXXX. 
in code violation. 15 USC 1692c ( a ). XXXX XXXX XXXX is a company that is trying to collect a debt from me. stop and return my house. 
15 USC 1692 c ( a ) the payment was made in full in XXXX, XXXX in the original creditor. and paid in full. 
15 USC 1692d ( 2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  property : show the original contract : show creditor info of the first contract : show Payment of history of the first contract that I signed. : proof of of ownership.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

XXXX has a recent 30 day late on on my credit report. XXXX sold my account and XXXX other agencies are currently attempting to collect for this debt ( XXXX, XXXX, XXXX XXXX ). I started a dispute with them and now they have placed a 30 day late on my account again ( THIS NEEDS TO BE REMOVED IMMEDIATELY ). This account was closed on XX/XX/2014, how can there be a 30 day late. I need this to be removed immediately. This is not fair practices ... I also need to see where they still own the debt or XXXX needs to report a {$0.00} balance. Tell me who owns this debt or remove it off the credit report all together ...
Consumer complaint received 2020-11-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequoia Financial Services (CA)

XXXX XXXX XXXX XXXX $ XXXX. By company. 
XXXX XXXX company / {$1600.00} XX/XX/XXXX By company XXXX XXXX company XX/XX/XXXX bY XXXX XXXX XXXX XXXX / {$350.00} XX/XX/XXXX By XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX by XXXX  XXXX XXXX  All by company fraud need to taken ASAP
Consumer complaint received 2016-06-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (KY)

I applied for a {$400.00} loan on XXXX XXXX 2016 with big picture loans was told that i would qualify for a reduced rate of payments of {$100.00} every 2 weeks signed documents online then went to view documents the payments changed to {$140.00} every 2 weeks for XXXX payments then for XXXX payments it is raised then slowly goes down and the interest rate is higher than was told it is 704.9185 %
Consumer complaint received 2015-09-30
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Big Picture Loans, LLC (FL)

This company has been contacting my family, friends and even neighbors. Today when I called and again had asked for written verification of the debt I was told to go to the website and look it up. I informed XXXX XXXX that I was in class and then going to the XXXX and did not have access to the internet. I again asked for written verification and was told NO. I then asked him for his address so I could send a written request and was told he was not giving me his address. I then told him I wanted him to stop calling all XXXX parties and to call my cell or home phone. He then said I was blocking his calls, but then in the same breath said he always reached my voicemail ( and not once has he left a message ). I again gave him my home phone and told him I was in class everyday till XXXX and then off to the XXXX from XXXX till XXXX. He then proceeded to yell at me and ask me about my financial situation and why could I not pay my bills. I said this was none of his business and again to stop calling and discussing my debt with others and he just laughed at me. I then said I was going to file a complaint against him and his office and he just laughed and said you know how many times a day I hear that lady. Go right ahead you dont scare me. I just asked again for the address he again said NO and I just hung up.
Consumer complaint received 2021-06-05
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)

My account had had another social security number associated with it for a year. XXXX XXXX XXXX has allowed this to start, and go on, and I'm furious. My credit is so out of whack!
Consumer complaint received 2021-06-05
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. (MO)

Experian the validation process of XX/XX/2021 never existed, when in fact there was no written validation and the. We need the proper validation per the law of the CFPB. On the XXXX of XXXX when the account was updated, experian should have requested to have the factual documents or should have already had the verification on hand instead of seeking or just verbally verifying a document or account when that is not in accordance with the rules and regulations.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NY)

my name is XXXX XXXX and i had a conversation with discover card rapresentive on XX/XX/XXXX requesting to lower my interest rate to 4.99 do to the fact that i had an offer of 0 percentage from a new card if they could lower my present interest rate. 
they agreed to lower to 4.99 and send an email to confirm it. 
enrollement should start in XXXX payment now they denied such agreement and charge me XXXX XXXX XXXX dollars of inrerest on my balance. in a conversation with an agent she told me that the note on the account said that i had an agreement of lower interest rate at XXXX and she did not know why did not get activated. she put in line with a supervisor name XXXX which change complete the issue and told me that no such deal ever occurred. 
obviously she lied and they deserve to get penalizes for breaking all the consumer law in book and the supervisor XXXX need to get XXXX.am requesting the involvement of the cfpb in this matter and disbar the discover card for fraud against consumer.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

Chase card services is committing fraud by reporting my date of last payment as XX/XX/XXXX According to chase I paid these accounts with XXXX account ending in XXXX According to XXXX XXXX XXXX XXXX ending in XXXX was closed in XXXX so ther is no way i can pay from this account the date of last payment is XX/XX/XXXX so the credit cards listing should be removed from credit reports as it is too old after XX/XX/XXXX Chase is committing fraud by changing date of last payment so account listing remains and I am kept hostage for life Pls help Documents are attached
Consumer complaint received 2021-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

sls representative XXXX is my spoc loan XXXX she advised me if i came up with XXXX she would obtain a deferral of XXXX and a payment of XXXX as a loan modification. SLS verified my funds in XXXX XXXX On XXXX XXXX loan docs were sent to me showing a down payment of XXXX with a payment of XXXX .That is not what was verbally agreed. Also, please note I had covid last year and sent proof to SLS..
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX**, XXXX  # XXXX****, XXXX XXXX XXXX XXXX # XXXX**.
Consumer complaint received 2017-10-14
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. (TX)

These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX +  {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX  XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted.
XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (PA)

In XX/XX/XXXX we purchased our home at XXXX XXXX XXXX, XXXX, Pa XXXX through XXXX XXXX. Our loan and mortgage payment of {$1500.00} was based on our salaries and income. We were in our new home for a year when Central Mortgage company who we are with sent us a check for {$280000.00} and a note stating that our current amount was wrong and that our taxes have been reacessed and the new amount will be {$1200.00} I called them XXXX different times to make sure it was correct. So now for the next XXXX months we have been paying the new amount of {$1200.00}. I just received an escrow letter stating we are in the rears and that our escrow account is short {$5500.00} and needs to be payed before XX/XX/XXXX. What happened so we called the tax department in XXXX XXXX and spoke with XXXX XXXX and asked '' surely our taxes have n't XXXX, she stated that they went up but only {$75.00}. Central Mortgage Company is supposed to pay Insurance and taxes so now my mortgage has gone from XXXX to XXXX over XXXX more a month which we were never approved for in the first place and we ca not afford even now. How can they burden us like this? Please help us.
Consumer complaint received 2015-04-14
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (NJ)

Actually this is more info on Case number : XXXX. I do not see a way to give more information. I received a document in the mail. When I spoke with XXXX several weeks ago, he mentioned the net Principle Limit could be accessed and used. After doing my own research previously and making previous calls to Financial Freedom/One West, I doubted this was true, so I decided to test it. I tried to withdraw {$1000.00}. If he was correct, I would just withdraw the money I did n't know was mine for the asking, and pay the commission and closing fees. But, I was correct and XXXX was not. In the mail I received documents requiring my signature to adjust my mortgage so I could get my {$1000.00} check and then only receive approx {$300.00} per month, which would then not cover my living expenses on the home should it a ) not sell or b ) HUD does not approve the short sale. So, I did not sign the papers and again, I am right back where I started. I do n't have money for the commission and legal fees to sell the home and FF/One West is still pushing foreclosure and deed-in-lieu since they will not help with the closing costs. Again, this would have only cost them $ 5K last year if I sold to the first buyer ( RE commission and legal fees ), and now they have paid me {$7500.00}, which means they could have saved {$2500.00}. How could the US bail out banks when this is what they do to elderly homeowners?
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : EQUIFAX MORTGAGE SER Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ;
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc. (FL)

The company is Self Financial which is a credit-building account I put money into the self-account every month by paying every month and I am supposed to have a line of credit which I did for 3 yrs, and never missed a payment they also issued me a secured card for which I did not know it was secured I have paid more than the min balance in XXXX I was sick with XXXX and I accidentally paid the credit builder account instead of the XXXX so I was charged a late fee and it was reported on my credit as late I need it removed trying to buy a house and now they have damaged my credit instead of improving my credit they will not reverse the late fee to take off my credit they have many complaints
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Duncan Solutions, lnc. (TX)

Professional Account Management has sent a letter for an alleged debt that I do not owe for a toll invoice. They are trying to extort me for a debt I do not owe and have threatened a vehicle registration denial, an order banning use of an XXXX  XXXX XXXX, a fine of up to {$500.00}, and/or vehicle impoundment. It seems as though Professional Account Management seems to be a repeat violator of consumers like myself according to CFPB consumer complaints in trying to collect an assumed debt not owed. They do not validate information thoroughly with XXXX, as they would not have tried to collect a debt that I don't owe. They have threatened to provide false and misleading information that would damage my reputation, and cause harm to me. As a consumer, I expect for my rights to not be violated.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

I was told The cost of the XXXX ride was XXXX. XXXX overcharged the ride to more than double that Amount. Chase refused to allow me to dispute the charge on line and by phone refused to issue a temporary credit to allow the charge to be disputed.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (MI)

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2200.00}
Consumer complaint received 2020-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have asked multiple times to remove an authorized user account you are reporting to the three bureaus. Each time you have granted my wish to have the account removed, how ever, as of this date, XX/XX/2020 it is still showing up on my credit reports. 

Please see that this gets remove asap.