davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FREEDOM FINANCIAL NETWORK (MI)

I started with Freedom Debt Relief in XX/XX/XXXX after trying to maintain minimum payments on a long list of credit card accounts. 

I was having a hard time making headway making minimum payments on our cards and needed to find some relief. I thought that going to a Debt Consolidation place would be the best fit. When I attempted to sign up, I wanted to get approved for a loan to consolidate all the debt, they told me I did not qualify for a loan which I believe was just a ploy to get me into their settlement program. 

I had no other options at that point but to do the settlement program. Prior to this, I had no late payments on any of my accounts and was told to stop making payments on my accounts so that they could go delinquent, it was only then that FDR could assist on my behalf. I enrolled my debt and continued making payments monthly to FDR who began settling my debts. 

In the fall of XXXX, they reevaluated my account and said based on my current settlements outstanding and the monthly payment I was making, they would need to extend my program from the initial 4 years to pay off because of all the extra fees and interest that accumulated. They then suggested we try the consolidation loan again and I was approved, but at a super high interest rate. 

Today I am paying XXXX a month on a XXXX $ loan and it is absolutely killing me. My credit is absolutely TANKED, I can not get approved for any type of loan that would help me get out of the situation that I am in with these high interest payments because of all the delinquent payments that are now showing on my credit report. 

I am stuck. I am tired of living pay check to paycheck. I feel like FDR totally scammed me and in the end has ruined my previously stellar credit reporting history by their " stop paying your payment '' tactics only to get me to pay " settlement fees '' to them and now higher interest. In the end, I will probably be paying more on this loan then I would have with the credit cards if I handled them individually.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX my account was blocked I called customer service and was told my account would be unblocked. I was still unable to use my ATM Card but was able withdraw money at a branch. XX/XX/XXXX I called customer service was told my account is still blocked and they had no information as to why. I was told I would receive a letter in the mail within 5-7 business days of the account being blocked regarding the account. Today XX/XX/XXXX I havent received any letter explaining what is going on with my account and money. I went to the bank the tellers were unable to tell me whats going on with my account and I was unable to touch my money. I placed another call to customer service and finally spoke with XXXX of the security alert department. XXXX told me my account was blocked due to a XXXX  deposit that was suspicious he verified I know where the XXXX came from and the amount and said he would unblock my account. He asked me to try to log into online banking which I could not do. A message popped up that stated my account was blocked for my security. XXXX then told me upon further research he couldnt unblock the account and didnt have any more information for me except for wait for a letter the account is still in review and, once again explaining I should have received a letter within 5-7 business days which I havent. The bank continues to hold my account and money without giving me any answers or letting me speak directly with the department that is reviewing my account. How can a bank keep my money and not give me answers. I have kids, a mortgage, and bills to pay.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (SC)

Remitly, a XXXX, Washington-based financial services company, attempted to fraudulently access my XXXX XXXX checking account to steal money and send it from the US to XXXX. 
This fraudulent transaction was noticed by my wife as a pending transaction and she immediately contacted XXXX XXXX to explain what was going on and place a Stop Payment Order. XXXX XXXX acted immediately and no monies left our account. 
Meanwhile, my wife continues to receive email notifications from Remitly trying to re-establish account service. 
Date : XX/XX/2022 XXXX XXXX XXXX XXXXXXXX Co Name : Remitly Inc Amount : {$2900.00} We have nothing to do with Remitly. Never had an account. Yet they continue to fraudulently reach out to us to establish a connection and no doubt re-attempt to steal money from us. 
I have attempted to contact Remitly 's fraud department but the automated voice response system indicates an 85 minute to 90 minute wait -- again that is egregious and should be placed under a separate complaint. 
Nonetheless, I look forward to a response from the CFPB. I am searching for additional options to proactively prevent them from contacting me or my wife as well as trying to re-attempt stealing money from us. Any assistance you can provide in making this happen is appreciated.
Consumer complaint received 2021-07-12
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: Bread Financial Holdings, Inc. (NY)

I have these accounts that are not mine and i want them to be remove from my credit report asap. 
1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

In XX/XX/XXXX I made payment arrangements with Navient to resolve my loan balance. I was told that if I paid {$100.00} per month for 12 months that my loan would be considered paid in full. I called Navient in XXXX XXXX because the automatic withdrawals were still occurring. 

When I called in, the representative congratulated me for paying off my loan and assisted me with stopping the automatic withdrawal. Everything was quiet until late XXXX when they started calling and stating that I still owed money and continue to try to collect, which in turn is damaging my credit report. 

They're stating the calls that I made did not exist when I asked them to pull the phone calls. I believe inaccurate information was given and recorded. I was treated very poorly when trying to resolve the situation.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a zero balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!
Consumer complaint received 2023-04-01
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)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX  Balance : {$12000.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MD)

I made two purchases through XXXX with my Apple Card on XX/XX/21 and XX/XX/21 for {$49.00} each to XXXX. The program I was using through XXXX has a serious programming flaw virtually wiping my purchases without use. I submitted a complaint with XXXX and was told their was nothing they could do. I will submit two statements from XXXX admitting there are issues they are trying to resolve. However, they have done nothing to make me whole for my losses.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TN)

Per nstructions of XXXX ID # XXXX Fay Servicing Customer Service Submitted requried documents for short sale of my property. I called Fay Servicing several times to speak with some one about my short sale. I am always told hey can't help me and I must speak with XXXX XXXX. Ms. XXXX will not return calls and I can't get her on the phone. I have requested property foreclosure sale be postponed allowing me to sell my home. I would like for the investor for my loan to be contacted and made aware I have my home listed on the market for sale. Fay Servicing still refuses to assist me even though they have forced me to sell my home refusing to offer mortgage assistance. I requested a forbearance under the Cares & Hero 's Act. but they will not approve me.. 

Please Help
Consumer complaint received 2021-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I have a basic savings account with Citibank. On Saturday, XX/XX/2021, I attempted to log into my account, and kept getting an error message that my password was incorrect ( which it was absolutely the correct password ). I then hit the " forgot password '' to just reset the password, and received a message that online access to my account had been blocked and was prompted to call the customer service line. Over the course of the remainder of that afternoon, I called multiple times, each time either 1. being told that no information could be given to me or 2. being told completely different things every phone call. I was finally told that I would have to wait on a letter to be mailed to me to verify my account. 

It has been almost 2 weeks since I was first denied access to my account, and I have still received no letter in the mail. Each time I call, whether it's to gain access to my account or just attempt to close it and have the funds in my account mailed to me in a check, I am told that nothing can be done until I receive a letter, which is absolutely absurd. On my last phone call with citibank, which was today, the rep came back on the line and told me he simply could not help me, and that he would be terminating the call. He then hung up on me. My money is in this bank account, and i have no way of accessing it, nor closing my account, and Citibank refuses to assist me outside of mentioning a letter, that I have yet to receive after almost 2 weeks.

As of right now, I still have zero access to my account ( online banking ) or the money in it. I am being told to wait on a letter to arrive via USPS mail, that should have been here by now, and is still not here. We are in the middle of a pandemic, and I can not access my account nor can I close it.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Newman, Hesse & Associates, P. A. (MO)

On XX/XX/XXXX, an amount around {$100.00} was garnished from my paycheck in Missouri. I received no notice of this action and asked my company to send me a copy of the papers they had received. Upon receipt of a copy on XX/XX/XXXX, I called the company, Newman Hesse & Associates PA out of XXXX, KS. The woman who answered the phone asked for the case number and told me the case was for a {$20.00} returned check supposedly written in XXXX and that I was served by tacking a letter to the door of where I had been living at the time. I received no such notice and never saw this debt appear on any of my credit reports. The statute of limitations has expired on any action they could take on this debt. They had a judge in XXXX XXXX KS electronically sign a garnishment order for {$1400.00}. I have not lived in Kansas since XXXX and was certainly findable between XXXX and XXXX, and have no record of this judgment from XXXX or from any year since then if they continually renewed it, which would make no sense for a {$20.00} debt which the company surely wrote off as a loss. As soon as I said I would be contacting an attorney, she immediately said I can no longer speak to them at all and hung up on me.
Consumer complaint received 2019-08-13
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: TD BANK US HOLDING COMPANY (NY)

XXXX and XXXX are reporting this account incorrectly as it does not show the correct high balance, limit, monthly payment, date of last active and date of last payment. I have disputed this account too many times but never did I receive any correction for this account. XXXX   has reported this account correctly.
Consumer complaint received 2022-01-08
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. (VA)

On XX/XX/2021 XXXX account has been wrongfully placed on my consumer report By your office and you are being held responsible from here and your current reporting is : XXXX XXXX of the amount of {$650.00} whom this may concern i want to inform your office that you are in violation of the fcra, you have violated my rights by reporting false inaccurate information by the placing this false account on my consumer credit report. The collection that is being reported hasnt been opened by me, I have no knowledge of the account be advised by law I have the right to PRIVACY and you credit reporting agencies have violated it by the accused collection account and date FOLLOW AS XXXX FUNDING BY LAW WHEN A CONSUMER DISPUTES WITH A CREDIT REPORTING AGENCY THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW IS XXXX, XXXX, EQUIFAX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

Company, Speedy Loan sent me an email with a form, requiring a signed affidavit from notary public or police officer. This is unfair, they said if not received by XX/XX/XXXX, they would be continue collection activity on my account. This is wrong, account is not mine. Sent gmail on XX/XX/XXXX. It all started when I tried to get a loan about XX/XX/XXXX. They have all my Bank information. Not fair or right. Also, I emailed them on XX/XX/XXXX the, asking them not to proceed with collections activity. I would contact you cfpb, with a complaint. It seems they threatened me, for something I had absolutely nothing to do with. Please help me with this. 
XXXX XXXX PS- We are in a world wide Pandemic. I hardly go out, but do business on my phone. Too dangerous for me. I am a XXXX XXXX Get, trying to survive. Extremely unfair what they are doing. 
XXXX XXXX