davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (OH)

They have 2 entries on my Credit report for same debt, one from Rise, and the other the collections agency XXXX XXXX they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either Rise, or XXXX not both. 

Thanks
Consumer complaint received 2019-03-29
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. (MN)

I have tried on numerous occassion to get an issue resolved with the credit bureaus ( XXXX, Equifax and XXXX ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my XXXX  credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

I have an account with Chase bank, charges on my credit card comes to {$930.00}. Chase claims the charges are {$1000.00}. I have spoken to different people in different Chase bank and each time I am told something different. I have asked each person I spoke with to explain to me in writing so I could better under. Each person refused. 

Also I have another credit card with Chase which I have not used in over two years. Chase takes auto payments from my account checking account. Chase has taken {$110.00} up to {$160.00} from my checking account each month for payment on this card. The balance never got below {$5000.00} in the two years. I paid the total amount due on account before the due date to avoid attitional interest, not only did Chase charge me interest on a zero balance, but charge me additional dollars.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: FISERV INC. (CT)

XXXX  XXXX XXXX is my primary financial institution. My e-commerce transactions are handled through XXXX XXXX  XXXX. XXXX has contracted the company Fiserv to process those transactions. Through my agreement with XXXX, Fiserv debits my XXXX account monthly for the cost of processing those transactions. 

On XX/XX/XXXX of 2021, there was a BOT attack which sent over 16,000 requests for authorization through our account. We generally do 1-2 transactions per day and have been for nearly 10 years. ( see attached documentation samples showing over 300 pages of transactions in a short few hour time slot ) From these documents I would like to point out that each and every one of these transactions used the same name, address, zip code and dollar amount. These transactions took place within a few hours. With no action from XXXX, or Fiserv, I fortunately identified the event in house and immediately alerted XXXX XXXX  XXXX. XXXX/Fiserv Merchant services made no attempt to identify or reduce the flow of transactions going through our account. 
Consequently, Fiserv billed me for each transaction. Our XXXX XXXX company XXXX refunded their portion of the charges, Fiserv refused stating that they could not recoup the money from Visa, so consequently the fees were not recoverable. 
See attachment for full text. 

It is clear that Fiserv puts forth a policy that exposes its customers to blatant and obvious fraud while taking the position that they have no responsibility to either a ) Protect and mitigate those fraudulent actions or b ) Absorb the costs of the successfully perpetrated fraud as a direct result of their failure to implement proper safeguards. 
Instead Fiserv, by its own admission, benefits monetarily from the processing of fraudulent transactions and because of that has no financial incentive to prevent them. 
The idea that a single person using the same name, address and zip code could posses 16,000 different credit cards is beyond any realm of possibility. The idea that in a few hours such a person could select a specific card, enter the numbers and re key an entire online transaction 16,000 times is also absurd. 
The installation filters recognizing these forms of computer generated fraud is a simple implementation and should be mandatory for any and all financial service processors. Any reasonable person would come to that conclusion ... unless of course that person profited from the fraud. 

Current card processing technology has more than enough safeguards to protect Visa, Fiserv, XXXX  XXXX XXXX and of course, the customer. The failure to implement that technology is a choice made by Fiserv. Taking the position they have with our company of passing on the costs of that failure is unacceptable. 
Forwarding the blame to Visa for not assuming financial responsibility, while simultaneously making no efforts to request ( demand ) Visa refund those fees, stands on its own as a diversion of responsibility to a unaffiliated third party.
Consumer complaint received 2019-03-14
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: EQUIFAX, INC. (CA)

Here is the letter I have mailed to Equifax. Over last 3 weeks I have followed their instructions to release security freeze, fraud alert etc from my record. This has not been successful. Everytime I call they claim its fine. My lender, XXXX XXXX can not pull my credit report and neither can I. Multiple conversations with management, supervisors etc have come to no resolution. I am going to lose a home due to this. 

Equifax XXXX XXXX XXXX XXXX GA XXXX Dispute Resolution I have 2 addresses. Mailing and Billing XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Physical address where I live is XXXX XXXX  XXXX XXXX XXXX XXXX Ca XXXX. My credit file shows a fraudulent address block. I did not request this. I want this removed immediately. I have filed a complaint with the FTC in regards to the complete disregard for my multiple requests by mail and by phone. 

If necessary for my credit report please use XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX as my current address. 

Please update and release all blocks on my credit report and or my address. I am refinancing my property and my lender has been unable to pull my credit due to an Equifax error XXXX. 

My Lender XXXX XXXX is trying to pull my Equifax report for a refinance on my property. Error message keeps returning. 

Opened Case ID XXXX with Equifax. No resolution to date XXXX XXXX XXXX Cell XXXX
Consumer complaint received 2018-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC (AZ)

My financial institution mailed a check on XX/XX/XXXX. 

FBC Mortgage LLC mishandled my payment. They assigned a late fee on XX/XX/XXXX of {$53.00}. They cashed the check sent by my financial institution on XX/XX/XXXX on XX/XX/XXXX. 

I then wrote a letter explaining the situation to FBC Mortgage LLC on XX/XX/XXXX and asking for a refund of the late fee. To date I have recieved no response and recieved no credit on my account. 

It seems a questionable financial practice to take 20 calendar days to process a payment. It seems unfair to assess a late fee when payment was received within the required timeframe. It seems a calloused practice to ignore my written request for a refund of an unfair fee. 

To make matters worse I also called the payment processing dept. of this company on XX/XX/XXXX. I was offered an online payment service. I asked the representative if my payment delay would have been avoided by use of an online payment service. I was told by the rep. the company often mishandles automated payments. 

They are in need of an upgraded payment system but are unwilling to upgrade the system. 

I would like my mortgage sold and transferred to a financial institution that will treat me with the respect and dignity I deserve. I make my payments on time and have done so for over 16 years of homeownership with institutions like XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2018-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (VA)

I began receiving phone calls about a debt that was the result of identity theft. I notified the callers of this and was still harassed. I then notified the company from which the debt originated of the identity theft and was assured they would handle it. Some time goes by and I still receive calls with threats of negatively affecting my credit score if I don't hurry and pay them. They then attached to my credit score while I waited to hear back from XXXX XXXX ( the company fraudulent debt originated from ) and it knocked my credit down 47 points. After attempts to contact XXXX XXXX, I was finally informed I could contact their " collection department '' during my work hours where it is physically and literally impossible for me to make calls.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I refinanced my mortgage for a lower interest rate. I paid off the existing loan. 
On the old loan under ''PAYMENT HISTORY DETAILS '' The following is listed Transaction Date : XX/XX/2021 Transaction Amount. {$530.00} Transaction Description. FORECLOSUREPARTIALREPAYPRINBAL ''THE TRANSACTION WAS APPLIED AS FOLLOWS : Principal : {$00.00} Interest : {$530.00} Escrow : {$0.00} Fees/Late charges : {$0.00} Other Fees : {$0.00} Miscellaneous. {$0.00} Unapplied Funds : {$0.00} On XXXX I spoke to a rep at LoanCare and he did not know what or why the {$530.00} was there for. I asked to speak to a supervisor and she told me ''I don't know why it has a description of ''ForeclosurePartialRepayPrinBal but it is simply interest when you paid off the loan. I disagree I have the payoff summary and with the payoff the interest was already added in. Loancare is listing this transaction as a separate entry. 
I am offended that they have associated the word ''foreclosure '' with my name and account. Now they just want to call it ''interest ''. I am calling it an intentional mistake and I want a refund of {$530.00}. They can not just describe it as ''foreclosure '' and when I challenge it say it's ''just simply interest ' and I'm supposed to accept it. 
To top it off I now with the new loan have acquired LoanCare again as the servicing company. 
Why would they make 2 separate amounts of interest on a payoff? I owe this amount, the interest is this and total it. This {$530.00} is in addition to the payoff amount with interest. The {$530.00} is a separate entry.
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

I had a hospital stay, and even though I have insouciance, bills just poored in. I contacted every one of those companies and made arrangements to get debt paid. Even financed the big bill for {$2400.00} to the hospial that I am paying down. 

In XXXX I was contacted by Transworld systems. They were representing XXXX XXXX and stated I owed {$290.00}. I did not remember that group but I said Ok lets make arrangements, {$50.00} every 2 weeks until it is paid down. 

I just got a credit report update and this is on my report as delinquent. I let them know I have done exaclty what we agreed on and I would like them to remove as I figured it was an oversight. They stated they can not as it is delinquent. I want it off ASAP. 

I am paying the next {$50.00} tomorrow and the last {$50.00} in 2 weeks. I would like this off my report before last payment.
Consumer complaint received 2018-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (FL)

I attended XXXX in XX/XX/XXXX and XX/XX/2015. I missed the first chemistry lab for my chemistry course and was dropped from that course, without any notice or mention whatsoever. Once I found out, I attempted to register for another chemistry lab at the student services office, where I was told it would cost an additional {$250.00}. I did not have this additional money available to me at the time, since a refund for the class they choose to drop me from had not yet been given, and I had yet to receive my student loan for that semester. This was on a Friday afternoon and since I could not get another {$250.00} to give them that weekend, they proceeded to drop me from ALL of my courses that semester, which totaled approximately {$3200.00}, which they then decided Id owe to them. Because they dropped me from all of my courses, I obviously could not get the student loan that I was waiting for and intended on paying for my courses with for that semester. I dont know if its worse that I couldnt ever go back to XXXX to pursue the second degree that I was pursuing or the fact that I couldnt pursue the degree I was pursuing and they claim I owe them for them taking me out of my classes. The whole situation is extremely unfair, and frankly, seems like a complete scam to make more money off of students who are simply trying to pursue higher education and dont have a lot of money to do so. If I had voluntarily dropped my courses, I would absolutely take responsibility for whatever monetary value Id owe, but they unfairly dropped me from all of my classes and keep claiming that I owe them. They would have easily made more profit off of me, if Id been able to continue my degree program. On top of all of that, the cost of the courses was just over {$3200.00}, yet this collection claim is now well over {$4300.00}. Correct me if I am wrong, but I dont even think it is legal to choose to add-on to a collection account. With all of that being said, and especially considering the fact that Ive made several attempts to dispute the legitimacy of this collection account, I want this completely vacated from my credit report immediately. Ive fought this long enough and the next step is to make it a legal matter.
Consumer complaint received 2019-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (HI)

Contacted XXXX XXXX XXXX via mail, the first time, on XX/XX/XXXX, to make arrangements to settle the account in exchange for the original instrument of indebtedness in its original form. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a second request for removal of inaccurate information on XX/XX/XXXX. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a third request on XX/XX/XXXX.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I had open a account with Chase aroun XXXX when i open that account everything was ok but like a week later my account was closed with no explination. Also i found out the Chase share my information with out my consent Also the charge me Unlawful NFS Fees as well The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.
Consumer complaint received 2021-10-08
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

Bankruptcy Reinsertion Also, there's an instance that the bankruptcy is being re-inserted in my credit report. It was disputed and has been deleted. It has defamed my character to lenders, held me back from getting my home and a host of other things
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

XXXX, XXXX, and Equifax agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy XXXX XXXX XXXX TN XXXX XXXX. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XXXX, XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. Experian has XXXX accounts the same XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Original Balance, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since XX/XX/XXXX.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NV)

I am paying back my loan but complained to Navient about why my loan interest was increased to XXXX % for which I never accepted. I am not in default but I did have have a problem getting a forebearance which took a while to get but had to use my unemployment to pay while waiting. I am unemployed now and is struggling to pay it now without unemployment.
Consumer complaint received 2018-02-04
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (PA)

I mailed the attached letter to them 3 times and have verification that they have received it. However, they have reported the debt on my credit report and they have refused to contact me via mail as I have requested in the letter. They have not contacted me at alI after I mailed this letter. I would like to report them for unfair credit practices.
Consumer complaint received 2021-01-27
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. (VA)

Inquiries were unauthorized by me. The contract or lease agreement was never signed or authorized by me. I had a security freeze placed on my account. I am unsure as to why XXXX was able to pull my credit. The company XXXX XXXX has sent a cancellation request for an unauthorized loan/agreement for a car or vehicle. 

I tried working with both XXXX and Equifax to remove these unauthorized inquiries which has cause my credit score to decrease from XXXX to XXXX. My next action is to follow through with legal action if these inquiries are not removed.