davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX or INDEPENDENT XXXX CONSULTANTS IN. 
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CT)

I am an American Express Corporate Cardholder and had a fee for a balance that was overdue. This fee was added to my XXXX Statement for a XXXX charge that I did not clear in the time allotted [ 45 days ]. I discovered the error and called American express on XX/XX/2018. At the time, the customer care representative kindly removed the charge. The full balance was cleared on XX/XX/2018. 

On XX/XX/2018 the same {$39.00} fee was added back onto my account. American Express did not disclose that they would add the fee back on after they waived it for the charge that lingered between XXXX and XXXX. In fact, they credited my account for the XXXX $ fee on XX/XX/XXXX and then added it back on XX/XX/2018. I believe that this is not in good faith and deceptive.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — Store credit 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: JPMORGAN CHASE & CO. (OK)

I have been told by over 3 representatives I would get my money back over the last year from Amazon ( the store ) but the Chase Amazon credit card dispute process will not give my money back because they stated after the 90 day return period closed and Amazon ( the store ) specifically told me I did not need to return any products that I would not be given my money back by Chase because I had to make a return and they ( Chase ) continued to charge interest while refusing to provide the refund. I am attaching all of the conversations that I have already sent to Chase where I was told I was being given a credit for the purchase by Amazon while Chase continues to refuse to comply with the Amazon credit from the company via these customer conversations.
Consumer complaint received 2018-09-28
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. (GA)

I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. XXXX, XXXX and Equifax insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.
Consumer complaint received 2018-09-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

I file complaint against Cash Store # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX I still receive SSI check every month. Why I can not afford to pay money back to every two weeks each. I want to pay back amount by cash in every month to the cash store. I need t pay expenses for rent, utility and gas and phone very important. 
I learned XXXX XXXX XXXX has had contact Cash Store without my permission. XXXX XXXX XXXXXXXX called me on this morning. XXXX XXXX XXXXXXXX should not contact Cash Store without me know.Cash store was taking my money from my current bank XXXX without my permission. I have been struggle to pay back to cash store by every two weeks.
Consumer complaint received 2023-01-29
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. (FL)

checking my credit profile ive noticed alot of information that is hindering my file with transunion. I am interested I disputing all invalid information on my credit report please update the errors reported in the files submitted asap.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CMRE Financial Services, Inc. (NJ)

DEAR CFPB : This matter is in regards of, 4 Debts, one is from : XX/XX/XXXX, another one is from:XX/XX/XXXX, the other one is from:XX/XX/XXXX, and the last one is from:XX/XX/XXXX. I wrote the debt collector before 30 days as per Sate and Federal Laws dictate, NOT TO CALL ME, NOT TO HARRAS ME, that this matter was closed and PAID IN FULL to the collection agency. I also requested to the collection company that if they had anything ells to please to contact my Attorney in charge of this matter. This collection Agency is abusive and keeps writing me mail and keeps calling me 4 to 5 times a day. Thank you. Respectfully yours.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

I signed up for a Citibank savings and checking account package that included a promotion : Deposit {$15000.00} and receive a {$400.00} bonus, however I have not yet received this bonus. ( Promotion code : XXXX ) The promotion terms were as follows : - Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account - Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days ( a minimum of {$1500.00} must be in the checking account ). 
- Bonus will post within 90 days from the date you complete all of the requirements - Not eligible if youve been an owner of a a Citibank checking or savings account within the last 180 calendar days I was a new Citibank customer. I opened the account on XX/XX/2018, and deposited a total of {$15000.00} to the accounts on the same day ( {$13000.00} in the savings account, and {$1500.00} in the checking ). I maintained that balance for the required 60 days. I then waited the full 90 day period that the bonuses should have posted within. The full 150 day period ended on XX/XX/2018.

I contacted Citibank on XX/XX/2018 to inquire about the status of the bonus. The customer service representative acknowledged that I was indeed eligible for the bonus, and that I had met all requirements. I was told that a request was submitted to have the bonus credited to my account, and that I would receive it within 2 business days ( case number : XXXX ). I contacted Citibank again on XX/XX/XXXX when the bonus was still not posted to the account, and I was told that the request was still pending. It's now XX/XX/XXXX, and still no bonus. 

I would not be as impatient if I had otherwise had a good experience thus far with Citibank, however they have already performed some shady actions such as unlinking my linked checking/savings account in order to charge me fees for combined balances falling below the minimum. Also, after researching, it appears many other customers have had an issue with Citi not paying promotional bonuses unless contacted by the CFPB.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SUNTRUST BANKS, INC. (GA)

I filed a previous complaint with CFPB about my Suntrust Equity Line being refinanced due to hardship. They did complete the hardship refinance to my satisfaction due to the pressure from your organization. Thank you. However, they reported to the credit reporting agencies I had been late 30 days on my loan which is the not the case. I had called Suntrust several times to see why the refinance was taking so long and was told " it was a sensitive subject ''. I was instructed " not to pay one the old loan '' until the new terms were worked out or I would be paying on the old loan and it would not be reflected in the new loan. I followed the advice of Suntrust and did as I was told. As soon as the new refinance terms took place, I made a payment and have not missed a payment. I feel that Suntrust reporting a late payment to the reporting agencies is unfair and false. Suntrust told me not to pay on the old loan which I followed. Reporting a late payment is disingenuous when they took " a lengthy time to rework the loan because it was a sensitive subject. '' I am now trying to refinance the loan to get away from Suntrust and their reporting is hurting my credit score in getting a new credit line. I want the " late status taken off my credit report as this account has always been in good standing for over 10 years until the payment ballooned and was unreasonable for me to handle. I worked it through Suntrust to get fair treatment. Reporting a late payment that was their fault in the length of time in handling my refinance was not my fault. I would like this changed on my credit reports. Thank you.
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority (MA)

My monthly payments to XXXX XXXX XXXX are {$230.00}. I can not find full time work in my field so I work XXXX only making about {$15000.00} a year. My rent is {$600.00} a month. My car payments are {$210.00} a month. My car insurance ( required by MA ) is {$240.00} a month. Utilities amount to about {$200.00} a month. As I have sent all of this information to my servicer, but they have told me I can not lower my payments or go on an income based payment plan. They will not cancel direct debit, meaning it is difficult to make rent. I can not afford to pursue a higher degree because my debt is too high to get another loan, meaning I can not get a better higher paying job. I have sent XXXX my documents and information as it relates to trying to lower my payments but I never got a response.
Consumer complaint received 2023-01-11
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. (PA)

Please be advised this is one of SEVERAL requests and my FINAL WARNING and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of 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. In the results of your first investigation and subsequent reinvestigations, you stated that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 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 FULLY verified with proof of signature or removed immediately. 
*************************************************************************************************** ACCOUNTS : XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ADDRESSES : XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-07-14
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: EQUIFAX, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my credit report.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA My current phone number is : ( XXXX ) XXXX My current Employer is : SSIRETIREMENT Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : 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 XXXX XXXX
Consumer complaint received 2018-09-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (CA)

someone with the name given, " XXXX id # XXXX with GM financial, '' claims over the phone that I owe a large sum of money to GM Financial. I have been hung up on by these people several times. I repeatedly request written correspondence via us mail ( a Bill or Statement etc. ) that I may have an opportunity to examine them and take the necessary steps to resolve the issue. Not once has anyone sent anything or provided any documentation to me whatsoever though their reporting to the 3 major consumer reporting agencies has tainted my credit and drastically lowered my score. I had been in the process of pre-qualifying for a VA home loan and now, I am told I can not due to the now very low credit rating. My family life and professional life has been halted completely and I require resolution / remedy. If a person or corporate entity claims I owe them something, they must then present their claim in writing, affording me the opportunity to resolve the matter. They refuse to offer or present any remedy therefore this case is dismissed, account closed, all reporting from GM financial to the major consumer reporting agencies, ie XXXX, XXXX, XXXX, need to be dissolved and completely removed at once.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

XXXX XXXX contacted me by mail back on XX/XX/2018 saidI owe XXXX money for old debt So I decided to saddle the dept so it wouldnt be put on my credit report XXXX XXXX   put on my credit report anyway So I ask this collection agency asked them to remove it they told me they couldnt remove it they just a third-party collection agency and they told me to call XXXX so I called XXXX told them the situation and they looked at it and say that I didnt know that many money so I called the collection agency back and tell them the situation with XXXX and they asked them to send me documentation and they told me they dont have documentation of the Debt because they are third-party collection agency also this collection agency never send me a receipt for the money I paid that asked him three times back in XXXX to send me a receipt and they still havent sent me one.
Consumer complaint received 2017-09-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC (GA)

Representatives from Weinberg Mediation have continuously called my work number leaving this message on my voicemail. I have told them before not to call me at my place of employment. They continue to call. 

I received this message today ( XX/XX/2017 @ XXXX ). 
This is a final courtesy call from the Weinberg mediation group. Before reporting that you 've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that 's XXXX. Thank you. Good day ....
Consumer complaint received 2018-09-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc (RI)

I revieved a Payday loan in XXXX of last year. I received it and I paid it back because they took right from my account but then proceeding to " roll over '' the loan and because I didn't call them they re enrolled me in another loan which I did not want. And when I called I got the response well since you didn't contact us we it rolled over or whatever the excuse was. My response was. I paid it in full. Why would I call you? Now it's on my credit for double what my original loan was that I paid. On top of that they overdrafted my account and I had to close it. They took complete advantage. So now it's my credit. I'm a single dad that pays an outrageous interest rate on my auto loan because of this. This is wrong on so many levels. I learned my lesson. I'll go without or before I even think about doing business with a Payday loan.
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

My mortgage payment was denied and lied about my past due timeframe also started new payment I could not afford and would not send modification papers when i had enough time. Ocwen mortgage is setting people up to loose my house. My name is XXXX XXXX from XXXX this is not the only problem I have with them they also have my escrow and my principal balance at XXXX when i brought the house please review everything and the peditory non servicing thieving practices
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

After requesting Experian to remove unknow addresses from my personal information on my credit file, the following address still remains XXXX XXXX XXXX XXXX XXXX, IL, XXXX.

This address does not belong to me and is not associated with any closed or open accounts listed in my consumer file. This unknow address was also deleted from another credit bureau. Please see attachment.
Consumer complaint received 2020-04-16
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. (OH)

XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -Navient won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -Navient allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -Navient should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -Navient should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ),  the negative financial impact it has had on the student loan borrowers, etc.