davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (FL)

We have been paying our credit card for over five years and were recently alerted that we have been taken to a small claims court. We have contacted the attorney representing them, contacting American Express ( said they are researching it ) and contacted XXXX XXXX XXXX ( nonprofit counseling service ) who pays our credit card bills. It has been several weeks of contacting all three companies and even just sent the attorneys screenshots/proof from Amex 's website clearly showing 14 consecutive monthly payments ( see attached ) from XX/XX/XXXX to XX/XX/XXXX with no missed payments. 

This is clearly an abuse of power and very unethical for a bank to have this type of power without any type of reasoning and or proof for arbitration. 

We need the federal government to assist us with this great abuse of power from this bank.
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GreenSky, LLC (CO)

We have a loan for our kitchen remodel through XXXX XXXX. Since XXXX of XXXX, we had been locked into the auto-pay system. In XXXX of XXXX, their system did not take our payments and we were not properly notified. My wife ( XXXX XXXX ) called in XXXX of XXXX after noticing the payment was not taken out that month. From what i remember, they told her there was an issue with their system and they needed a new payment method. No fault on our end. When asked if they could help take back the negative strikes on our credit, they said there was nothing they could do. Our credit scores dropped about 50 points after this event.
Consumer complaint received 2017-03-08
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

We are working on a short sale and I am not getting any responses from the negotiator. 

On XX/XX/XXXX we were counter to increase the price to match the appraisal. 

On XX/XX/XXXX the buyers agreed and submitted the price increase On XX/XX/XXXX negotiator said she needed an appraisal I responded immediately " why do you need an appraisal when you have on and already countered '' I have not receive a response from the negotiator since and have sent several messages Last week I confirmed with a supervisor they have a valid appraisal good through XX/XX/XXXX and a new appraisal is not needed and yet the file is still at a stand still and my calls are not being returned.
Consumer complaint received 2015-11-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

this company harass me for the pass 10 years for a credit card who they had each year interest I use this card for one time 10 years ago and then I cancelled but I pay the purchase I made when I got the bill at the end of the month. the company is called portfolio rec. phone numberXXXX also a phone number XXXXXXXXn XXXX XXXX same company please help me to stop them to harass me thank you
Consumer complaint received 2020-11-24
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: DISCOVER BANK (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2015-05-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I 'm in the process of trying to get validation of an item on my credit report. I 've disputed this item with the collection agency along with credit bureau and no documentation was provided. I was never provided any documentation validating the debt ( signed application ). I have attached my documentation requesting proof/validation that I sent to them and have yet to receive. I 've attached all the communications I 've forward to the collection agency, and credit bureau. 

The item in question is the following : PORTFOLIO RECOVERYXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX : {$1100.00}
Consumer complaint received 2022-09-05
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America inconsistently deducts monthly maintenance fees from my checking account on arbitrary days. I attempted to discuss and resolve this issue with them today ; however, they could not provide any logical explanation as to why this date varies from month to month. This inconsistency creates a financial burden, impacts my budget and makes it difficult to keep my account balanced.
Consumer complaint received 2020-11-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (NY)

Hi On XX/XX/2020 I closed on my new construction home as advised by my lawyer XXXX XXXX go ahead and close due to the pandemic the CO is on someone desk waiting to be signed now 3 months went by the town will not issue a Co for the house because of a list of problems with the property Ive notified my lawyer which is no help Ive contacted XXXX XXXX builder  which was XXXX builder before and cross country mortgage. No one is ever willing to help. They did some repairs and still not up to town standards. Im a XXXX veteran. All I get from everyone is the run around. This builder, mortgage company and both my lawyer and theirs are no help. Please guide me to what I should do.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I took private student loans fr om  XXXX . I 've be en paying more than the minimum on time for the better part of a decade. This month, the servicing of my loan was transferred to   XXXX   XXXX  .     I disagree with this practice on an ethical level. I am not a commodity and should n't be treated lik  e one. But, I can deal with the headache of my loan servicer changing.
My complaint is that   XXXX   XXXX   does not allow   me to schedule payments in advance. I can either set up auto-pay for a specific amount on a monthly basis or pay online. The problem is that when I pay online, I can only schedule my payment for that day. This makes paying my loans off more difficult and makes it more likely that I 'll pay more over time.     I like to pay my monthly payment ahead of schedule and then make additional payments each time I receive a paycheck. This has been a really effective way to pay off my loans faster.     Not being able to schedule these payments ahead of time makes it more likely that I 'll make my extra payments later, which costs me more in interest.   XXXX   XXXX   provides a negligible level of customer service and a terrible user experience.     It 's entirely reasonable to expect that I 'll receive equal or greater quality customer service when my loan is transferred against my will.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC (CO)

Terrible experience refinancing through Envoy Mortgage, XXXX XXXX 's agency. Use higher that average title and appraisal services and pass cost off to the customer. Horrible customer service - especially once you have paid them. Pay-offs were done wrong and could not get answers to my questions, just told to go figure it out myself. Mortgage was sold and no notification was sent to customer. Paid extra to principle before my loan was sold - it 's been two months and that money has never materialized at the new mortgage company!
Consumer complaint received 2015-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (KY)

i have requested my credit report and there was a reported debt on there from EOS CCA which stated i owe them {$4500.00} for an XXXX Bill i then contacted XXXX to inquire about the bill seeing as i had no knowledge of even having the service with them. I was first transferred to customer service which they have informed me they have nothing in their system of me ever having service with them which then i proceeded to be transferred to their collections department for further confirmation and again they also told me they have nothing even stating i was ever a customer through them. my question is what can i do about this to have them to remove the debt from my credit report this to me sounds illegal to try to collect a debt and report a debt that i do n't even owe.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX I noticed a PAYMENT ADJUSTMENT on XXXX of my XXXX Capital One statements. When I called Capital One, the woman said it was an error & would reverse the charge so I 'd have a XXXX balance. Much to my surprise, the next month it accrued interest and my other XXXX accounts now had multiple PAYMENT ADJUSTMENTS totaling over {$1100.00}. I called again & they told me the payments were returned form XXXX XXXX, over 15 months prior. Capital One can not provide me which account they were returned from although these are MY credit cards & accounts.I had closed XXXX backing accounts in the past year and have no way to access data.
Consumer complaint received 2016-03-07
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: Interstate Recovery Service, Inc. (MN)

I am writing on the advice of XXXX XXXX, XXXX State Attorney General. I was contacted by XXXX XXXX XXXX.. XX/XX/XXXX. They collected money on my credit card for magazines for 3-4 months. They called me as well as me calling them to cancel the subscriptions but said it was too late. I canceled my credit card so they could not withdraw anymore money. Now XX/XX/XXXX I have received a total of XXXX letters from Interstate Recovery Services at XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX stating that they are trying to recover XXXX debts for the amounts of {$39.00} and {$590.00}. I also paid Subscribers Services a total of {$320.00} for a one year subscription fro XXXX magazines. I do n't know if these XXXX businesses are related. 
I have sent my documents to XXXX XXXX and forgot to keep copies for me. She should have them in my file.
Consumer complaint received 2015-06-11
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (TX)

I have transferred funds to XXXX using Remitly. I used their EXPRESS Service which promises to transfer funds immediately. As promised funds have been transferred Immediately but at the same time they were Reversed the very next minute. When I contacted Remitly about this, they speak so negligently that its not their fault, its a issue with bank in XXXX and Remitly says that its job is done. Are they kidding.? How is their job done without completing the deposit? They say they are not sure of when funds are available.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CT)

I recieved a statement from Naviant for the first time since my daughter has been in school. she is a XXXX. Until I recieved that statement I had no idea who was holding these loans. I thought XXXX XXXX held everything. So how could I have paid anything towards these loans if I did n't know about them? They should have been sending information more regularly!! Then I actually got a recorded message left on my home phone that the email information they have for us is not valid ... .it took them 3 years to figure that out and call? Then all of the sudden I read about a law suit for Naviant in XXXX of this year ... ..what a coinsidence right? I do n't think so. I think we are part of the group of people that have been affected by Naviant 's poor business. What can I do?
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (FL)

We used our XXXX to book a cottage through XXXX for a mini vacation to celebrate my husbands first year in XXXX and the completion of his first year of school XXXX and still working towards his XXXX degree.  The room they booked was unfit for staying in. It was at XXXX.  They charged us and showed a prime place on their site at XXXX for XXXX a night.  When we arrived the septic field was dug up right next to the cottage they put us in.  The living room floor was caving in and my sons were tripping and fell XXXX, the bathroom door wouldn't close and there were animal feces next to the stove.  I have the pictures.  I called XXXX to cancel Confirmation Number XXXX.  They wouldn't because they couldn't get the managerof the place on the phone.  It stunk we were getting sick and the ad said it was airconditioned.  This was a lie the bedroom had no vent and no air conditioner seperate and it was XXXX degrees in the keys.  We told XXXX we couldn't stay it wasn't fit they said you have too.  That's fraud they falsely advertised this place.  They wouldn't cancel we offered pictures,  we offered for them to skype in they wouldn't.  We had to leave and had to pay for another hotel it's on our bill as proof we put the keys in the maagers night drop box and drove XXXX hours and checked in at XXXX that night,  then we went home sad and broke.  XXXX is saying they can't make XXXX  remove this fraudulent biling.  Now the XXXX in bogus fee's are putting us high on our credit card and were trying to buy a house.  So it's hurting our credit ,charging us money we don't have.  XXXX  He's in school getting his XXXX Degree XXXX.  He already helps XXXX and wants to help XXXX  This was his treat for 70 hr weeks,  for a year,  trying to do school and a internship so he could bless others.  We were not so upset about it happening we forgave but to charge us for this is horrible.  XXXX need to get a heart or not be used by consumers.  Also they need to be responsible and step up when their merchants commit fraud.  We have all the pictures from this fiasco as proof. XXXX says it's to bad but XXXX says too bad the manager wouldn't cancel.  The manager renting fraudulent rooms doesn't want to give up his money.  Really?  I thought XXXX were there to help us with that.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems keeps trying to collect debts for the City of XXXX XXXX on a car that I do not own, I have never been to XXXX XXXX.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2015-08-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been charged over {$1400.00} by bank of America in less than XXXX months for overdraft fees. All the overdraft fees are directly related to XXXX, which they have classified on my account as a " recurring '' purchase, which is why it has been paying it out. The over drafts are all less than {$5.00}, and I have requested Bank of America to return XXXX to a normal status on my account, and not the recurring characteristic that they have changed the designation to, in order to prevent the fees from being payed out. The account is a bank account set up to allow a younger sibling to take a specific amount of XXXX 's each month instead of the bus, and when he reached his dollar threshold previously, it would force him to take the bus. Now, the account overdrafts and charges me massive amounts of fees, defeating the entire purpose and set up. This is absolutely outrageous to have been charged {$1400.00} in overdraft fees in less than XXXX months for a designation BOA decided to change with no notice to me, and now will not change back.