davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

I filed bankruptcy went to get a van in XX/XX/2015. I had been paying on the vehicle for over a year and XXXX XXXX did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (OH)

On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written or permissible purpose to advertise or furnish my information and pursuant to the FCRA ( Fair Credit Reporting Act ) you are willfully committing a federal violation. Within thirty ( 30 ) days, I asked that you give me written notice of following my instructions. You are willfully noncompliant and according to the FCRA are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

I pay every month  XXXX  for now over 2 years and am not charging anything. I only go in t he Lowes store to make my payment. Lowes is con tiuing to add late fees and finance charges. The only time I have been late was  XXXX     2017  instead of    XXXX   XXXX  ,2017 .    Lowes have called me on my private telephone until I reported them the first time. I have all of my payment receipts and the monthly bills I should be refunded moneys because I was misled and Lowes employees was n't aware of the time limit for suppose promotions.I know that I am not the only consumer that is having these problems from Lowe 's. I am having me dical problems and  XXXX  is all that can pay for these times.   I need for cfpb to take some actions and soon.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX over 123 times and have disputed with experian 21 times by all forms mail, over the phone, and even fax that I have never lived at the address or have had a vehicle leased with any other individual or have never lived in any other city. Also I have provided documents that I have never lived at the address this creditor is allegedly stating. I have requested the original signed contract as well as what documents were used to prove that this inaccuracy is allegedly mine and have never ever received it how can this inaccuracy continue to hurt my credit worthiness, this company and my credit bureau has failed me and has even caused me to contemplate suicide due to this erroneous error on my credit file.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

I have on numerous, document occasions, attempted to resolve the unfair and deceptive practices performed by Citibank. Despite refusing to provide the bonus offered in unsolicited advertising sent to me, Citibank continues to send me unsolicited offers for similar cards for which I have no idea whether they will honor or not. 

This is unfair and deceptive. I require you provide the advertise offers you send me. 

If you make a mistake and send me offers which I then respond to, you should acknowledge your mistake before I meet my end of the implied contract. 

If you can later determine I am ineligible, do not send me the offer in the first place. 

Please provide appropriate restitution for your actions.
Consumer complaint received 2021-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (WI)

I lost my job in early 2020 as a direct result of Covid. I contacted NetCredit to make arrangements to skip payments in XX/XX/2020, XX/XX/2020 and XX/XX/2020 seeking relief under the CARES Act. Such permission was granted but unfortunately NetCredit still reported the missed payments to all three credit bureaus. I have contacted them on three different occassions and am told that 'accurate missed payments ' can not be removed. I am not disputing that the payments were missed - I am disputing NetCredit 's role in not accurately reporting that my credit was protected under the CARES act.
Consumer complaint received 2017-07-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I am filing this complaint against NAVIENT student loan servicing company. It appears to me that they are in violation of their obligation to provide their borrowers with information pertinent to the administration of their accounts. On XXXX XXXX 2017, I called NAVIENT and spoke with 6 different people ; had my call dropped twice and re-routed to a survey gauging my customer satisfaction ; and was yelled at by a customer representative before I finally ended a 90 minute international call, all while being stonewalled and aggressed -- ultimately accepting defeat. <P/>My query was simple : do I qualify for an interest rate reduction, and if not, why not. <P/>After 7+ years of making regular payments and having a credit score in the upper 10th percentile, I was told I did not qualify but that they could provide me with was no reason for this disqualification. Customer Representative ( CR ) XXXX speculated it was because of my loan type, but could not specify what loan types I possessed, CR XXXX opined it was because of my personal eligibility, but could not specify what personal criteria applied. All assertions made by NAVIENT staff were pure conjecture. <P/>I persisted, asking to speak with someone who would be able to provide such information. With every phone transfer up the food chain, I asked repeatedly if there were eligibility criteria that I could access, to which I was told that this information is not available to me. This stonewalling alone would have been altogether deflating in and of itself. However, things digressed rapidly when I was then put in touch with CR XXXX, XXXX, who said that she knew what the eligibility criteria was but then said that she could not and did not want to share them with me- she vacillated between could and would. <P/>I was perplexed by the withholding of such information. NAVIENT is a multi-billion dollar business that thrives off of charging usurious interest rates on students for the duration of their lifetimesbut to add insult to injury, they treat you like they did you a favor. After XXXX withheld the information, she then raised her voice a number of times, and ultimately hung up without so much as a goodbye. <P/>NAVIENT represents student loan predation at its worst : it has no accountability to the clients it allegedly serves, and, furthermore, is hostile towards them while taking their money. It is not surprising then that NAVIENT has been named the most complained against loan provider in America across myriad credible publications in 2017 and is being sued by the Consumer Financial Protection Bureau ( CFPB ). Predatory companies like NAVIENT need to be stopped. I sincerely hope that I receive a response to the specifics of my complaint. I value the work that the CFPB conducts in protecting consumers and their confidence in our economic system.
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I noticed on my credit report that LvNV funding LLC has that I owe XXXX this account does not belong to me and I 've disputed multiple times. They have n't gotten in contact with me either.
Consumer complaint received 2017-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a loan with XXXX in XX/XX/XXXX for {$310000.00}. My loan number was : XXXX. They filed Chapter XXXX bankrupcy in New York in XX/XX/XXXX as purchase XXXX XXXX ( XXXX ). The CFPB accused the servicers, among them XXXX, XXXX XXXX, XXXX, XXXX, and now Caliber of improperly calculated loan balances, misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to consumer complaints. They have compounded these failures by illegally foreclosing upon borrowers loans and selling loan servicing rights to servicers without fully disclosing or correcting errors in borrowers loan files. Mine is such a case and I want the CFPB to file a similar case as those already filed by the CFPB v. XXXX XXXX XXXX et al, U.S. District Court for the XXXX District of Fla., Case No. XXXX, and by the Office of the Attorney General et al v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for the XXXX District of Fla. , Case No. XXXX, also determing who the correct servicer are.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed these accounts for multiple inaccuracies and requested multiple times from the credit bureaus to provide me with all method of verification which they never responded or provided. I want these accounts removed as they should be in correlation with FCRA. They are required to provide 100 % accurate information and submit all methods of verification which they failed to do. 

1. XXXX XXXX  - XXXX PAYMENT STATUS - COLLECTION, LATE 120 DAYS, COLLECTION DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

2. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

3. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 4. XXXX/XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING XXXX. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

XXXX. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 7. XXXX/XXXX  - XXXX REPORTING A COLLECTION/CHARGE-OFF BUT STILL REFLECTING A BALANCE OF {$1100.00}. 
DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING
Consumer complaint received 2017-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: PENTAGON FEDERAL CREDIT UNION (FL)

XX/XX/XXXX, my wife was diagnosed with a XXXX XXXX XXXX XXXX XXXX in her XXXX. The XXXX went to her XXXX and XXXX and XXXX in a short time. While my wife was in XXXX XXXX XXXX PenFed Credit Union would call me while I was with my wife in the XXXX XXXX. I had explained to then the cituation that I could not afford to pay the Credit Card because my wife was no longer working. A person from Penfed who was a man called twice and was very, very rude. He was arguing with me and demanding the money. I told him my wife was fighting for her life and we could not afford to pay. After talking to two ladies at Penfed, they said he was not supposed to do that. I kept getting calls from Penfed while she was fighting XXXX. I was harassed while I was helping my wife fight for her life which ended on XX/XX/XXXX when she passed away in XXXX. Another company called. Another company recently did the same thing when I was harassed by then and the man threatened to sue me. He was very mean to me. The company is called XXXX XXXX XXXX.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On the summary page of my credit report with Transunion they have 12 accounts listed as NEGATIVE. But  when you look at each account it does not say negative account. There is not supposed to be any reporting of any accounts as negative. This complaint refutes the 12 negative accounts LISTED ON THE SUMMARY PAGE OF MY TRANSUNION CREDIT REPORT. You ARE NOT REPORTING ACCORDING TO THE FCRA or bankruptcy law because there would not be 12 ACCOUNTS LISTED ON THE SUMMARY PAGE OF MY REPORT AS NEGATIVE.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously disputed this public record with TransUnion I dont recognize this public record listed below, I have requested TransUnion provide me proof from the court and mail me the results of their investigation, TransUnion has failed to do so. TRANSUNION CONTINUES TO VIOLATE MY RIGHTS UNDER THE FCRA 623 ( a ) ( 1 ) ( A ), WHICH CLEARLY STATES THE CREDIT REPORTING AGENCIES HAVE A LEGAL OBLIGATION TO ENSURE THE ACCURACY OF INFORMATION THEY FURNISH, TRANSUNION HAS CLEARLY FAILED TO DO SO. I HAVE ALSO PROVIDED PFOOF FROM THE COURT THAT THE INFORMATION TRANSUNION IS REPORTING ON MY XXXX FILE IS INACCURATE, HOWEVER TRANSUNION CONTINUES TO VIOLATE MY RIGHTS AND NOT INVESTIGATE THIS MATTER. TRANSUNION CONTINUES TO SEND COMPUTER GENERATED RESPONSES EVERY TIME WITHOUT PROVIDING ANY PROOF THIS ACCOUNT BELONGS TO ME. I HAVE ATTACHED EVIDENCE THAT TRANSUNION IS IN VIOLATION OF THE FCRA, AND HAS FALSIFIED INFORMATION TO THE CFPB AND MYSELF. NOW IS NOT XXXX TIME TO UPDATE, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY : XXXX XXXX/DOCKET NUMBER XXXX.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made an ATM deposit on XX/XX/2024 at the Bank of America branch - XXXX XXXX XXXX Massachusetts for {$1000.00}. Counted the cash twice prior to entering the back to ensure the amount was correct. I put the cash in the machine and the screen said only {$500.00} was deposited and asked if this was incorrect type in the correct amount which I did for {$1000.00}. Then it asked if I wanted to paper receipt which I got showing {$800.00}. I was shorted {$200.00}. I immediately called bank from the bank to file a claim on XX/XX/2024. Noting has been resolved 5 business days later.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2023 Wells Fargo was contacted to add an Authorized User to my account with the expectation of the Users information being submitted to XXXX XXXX The information has never been submitted. I am asking that both of these companies be investigated. 
Thank You
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: American First Finance, Inc. (TN)

On XX/XX/XXXX I reached out to American First Finance due to inaccuracies on my credit report. I gave American First Finance more than 2 months to respond back before I sent off a second letter on XX/XX/XXXX. Today is XX/XX/XXXX and I still have yet to receive a response back to the dispute that was originally placed on XXXX XXXX. According to the FCRA, they have 30 days to respond back and it's been over 5 months. American First Finance has been in direct violation with the FCRA for 4 months now!
Consumer complaint received 2017-09-11
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. (SC)

XXXX/XXXX/XXXX i found an account from XXXX XXXX XXXX, XXXX that does n't belong to me on my credit report.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

On XX/XX/17 I visited Equifax 's web page for determining if I was affected by their data breech. I was. It was suggested I sign up for their free Monitoring and Identity theft service with a XXXX XXXX protection package. I did so. During the sign up, under terms and conditions where one is able to see the 1 million protection, it showed two different levels of protection. One for 1 million and the other for only {$25000.00}. It did not tell me what was applicable to me. I called Equifax 's help line for this service and the rep stated he did not have access, nor knew of this. I asked for a supervisor. I was put on hold, he came back and it was stated that no supervisor was able to answer this. His instructions were that I call XXXX and leave a voice mail to request that Equifax call me back. That number does not reach such a service. He also provided https : //Help.Equifax.com and while I was still on the line with him, I went there and no such answers were available. At this point I do not know if I am signed up for any protection what so ever, and if I am what the protection levels are.
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

XXXX XXXX XXXX notified me on XX/XX/XXXX that the interest rate on my consolidated loan in XX/XX/XXXX was going up from 5.5 % to 5.625 %. My balance is approximately {$210000.00} so it is a significant change. The letter stated no reason for why the interest rate was going up as it was supposed to be a fixed rate consolidated loan, not a floating rate. When I called, the customer service department stated that at the time of the consolidation of the loan in XX/XX/XXXX, the interest rate on one of the loans that was consolidated was published incorrectly back in XX/XX/XXXX and as a result the rate overall was now incorrect. There was no explanation on why the mistake from XX/XX/XXXX was only discovered in XX/XX/XXXX or why it was not discovered back during consolidation in XX/XX/XXXX. 

I fear that I am being ripped off here and I asked them to put the explanation in writing. I was told by the customer service person that they would request their manager to be able to put this reason in writing. I do not know if they will actually do this but I 'm hopeful. I 'm not sure which published interest rate they are talking about and why this mistake could only have been discovered now.
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

This is the XXXX time i have used this system to no avail to get help.the same person XXXX XXXX keeps answering i have asked not to she thinks she is a lawyer and has successfully aruged that NO noi was issued prior to filing foreclosure. something i will pursue. i need a phone call PHOTOCOPIES OF PREVIOUS ANSWERS HAVE DONE LESS THAN NOTHING TO ADDRESS COMPLAINTS AND I AM ASKING CFPB TO MAKE SURE THAT THE SAME PHOTOCPYING DOES NOT HAPPEN AGAIN. I NEE SOMEONE OTHER THAN XXXX XXXX TO CALL ME AFTER XXXX EASTERN TO DISCUSS REMAINING ISSUES. WELLS FARGO REFUSED ME A MODIFICATION AND FILED FORECLOSSURE AND SUPPLIED NO NOI. I WANT HELP THE MOST IMPORTANT PART OF THIS NEW COMPLAINT WHERE PREVIOUS HAVE DONE NNOTHING TO RESOLVE ISSUES AS ALL I GET ARE PHOTOPCIES OF PAPER THAT TOO RESOLVED NOTHING. IS THAT I NEED HARDEST HIT PROGRAM IN NJ TO AT XXXX GET A PAY OFF FIGURE FROM OR A WHAT IS OWED FIRGURE FROM THIS BANK BEFORE NJ SAYS I OWE TOO MUCH. TOO LONG A WAIT. DO THAT TODAY NJ XXXX NEEDS A PAY OFF FIGURE. DO THAT TODAY THEY SENT REQUEST XXXX TIRED OF RED TAPE AND I WANT SOMEONE OTHER THAN MULDOON TO CALL ME TO RESOLVE OTHER ISSUES fui NO ONE ANSWERED qwr FILED IN XXXX
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (OH)

I received an alert XX/XX/XXXX that a collection item was put on my credit report. I pulled my report from the reporting agency that sent the alert, and it was XXXX XXXX. I have not received any letters certified or otherwise, an itemized bill showing that I owe this debt. This company just took it upon themselves to report this information on my credit report without allowing me to dispute it. There was a lie placed on my report stating that the debt was opened on XXXX credit report XX/XX/XXXX. I didn't have service with XXXX in XX/XX/XXXX. I didn't have any collections on my account from this company. I check my credit report all the time. This collection item has brought my score down, and has held me back from taking care of repairs on my home. Also, I've been receiving calls from a number that I am not familiar with. When I call the number back, there is a recording stating that the number is unknown. In the past, the collection agencies use these numbers to call consumers. I've never talk to this company before, so I haven't given out my number.