davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have a XXXX XXXX  account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for Equifax and XXXX and the last month it reported that was XX/XX/XXXX. I just updated my XXXX  XXXX and for XXXX its reporting 30 1, 60 1, 90 37, for Equifax and its reporting 30 1, 60 1, 90 3, for XXXX! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for XXXX and 30 1, 60 1, 90 38, for Equifax. How did it go from 1 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!
Consumer complaint received 2017-02-03
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NH)

I am called at least daily by Navient regarding student loan debt I co-signed for, starting the day it is over due, and continuing every day thereafter. They say " cease and desist '' is not applicable. The payment is {$390.00} per month and has never been more than 30 days behind.
Consumer complaint received 2017-03-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

I am complaining about XXXX and Navient who steered me into economic hardship deferment and forebearance and made things difficult for me pertinent to income-based repayment now that I am out of time remaining for forebearance and economic hardship deferment. I am XXXX and I am in the process of seeking loan forgiveness.
Consumer complaint received 2017-10-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

Chase has breached privacy as they have sent us another Chase customer 's mortgage documents and since we did n't receive our documents we are worried our documents were sent to another customer. For months we have tried to receive an affordable short term repayment plan due to delinquency from income reduction and fluctuation. There was a delay of nonsense and ongoing ridiculous phone calls for months asking the same question about start date and first payment date from my new job. After this delay we were told that our paperwork and approval was on the way, that rep would call us back after we had time to receive and go over and we would need to get it signed and returned to Chase - this was first week of XXXX. WE NEVER RECEIVED IT AND NOBODY EVER CALLED US. We called and could n't get our assigned contact so after no assistance we sent Qualified Written Request at end of XXXX. XX/XX/XXXX they finally returned our call and stated that it was never sent and rep said she never got the notification in their system to prompt her to call us to go over and stated " it had happened with another customer in a similar situation '' Rep said she would call back. Rep called back a little later that same day which wasXX/XX/XXXX and stated she had special permission for the plan/agreement to be emailed and we needed a security code from customer svc which she arranged. We received by email an agreement and plan that actually was set to begin onXX/XX/XXXX so at that point that plan was even late being started and we were given no time to even read it and we had to quickly scramble around and make the first payment of {$4200.00} late. We were still involved in the qualified written request and then we received correspondence in the mail stating that there had been no error and also included what was supposed to be a copy of our paperwork but was actually another Chase customer 's confidently mortgage information and paperwork. We are in a huge financial mess, we can not afford these payments and frankly if Chase no. 1 had not drug their feet and questioned the same question over and over about start date and first pay date for a good 2 months and then all the other processing delays we would n't have the breaking point of the extra {$870.00} that was added due to the delinquency that accrued during the delay in processing. THAT SITUATION IN ITSELF IS ENOUGH FOR A CUSTOMER TO BE FURIOUS BUT THEN ADD IN NEVER SENDING US OUR PAPERWORK AND THEN TO NOT BE GIVEN ANY TIME WHATSOEVER TO GO OVER THIS AND HAVE TO SEND IT BACK RIGHT AWAY AND GET A PAYMENT IN BUT THEN TO RECEIVE ANOTHER CUSTOMER 'S PAPERWORK INSTEAD OF OUR PAPERWORK. THIS IS NOT ACCEPTABLE ON ANY LEVEL. To receive another customer 's paperwork is not acceptable and it is a disregard for that customer 's privacy and then WHERE WAS OUR PAPERS MAILED? WE NEED ASSISTANCE WITH AN AFFORDABLE MORTGAGE PAYMENT AND WE NEED ANSWERS ABOUT WHERE OUR PAPERWORK WAS MAILED AND WHO RECEIVED IT. WE NEED ANSWERS AND ASSISTANCE WITHOUT DELAY.
Consumer complaint received 2016-01-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (OH)

I took a loan for XXXX and I 've made over XXXX payments for each month, and I 'm still owing XXXX after making payments totaling XXXX after 3 months. I 've made XXXX payments since the middle of XXXX XXXX, XXXX. They have me schedule to pay the loan in XXXX XXXX, but since I 'm sending extra they now have move the payoff day to XXXX XXXX instead of XXXX XXXX. With the payments I have schedule their going to earn over XXXX extra in fees and interest for a loan to be paid off in less then a year. The name of the company is Rise XXXX from of the Internet.
Consumer complaint received 2016-11-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (IL)

To whom it may concern, I '' m filing this complaint against a CitiMortgage, in the hopes that you will assist us in resolving this matter. I have been in the process of selling my home for the last two months and on XXXX XXXX I spoke to XXXX, in customer service, and requested that ALL Electronic Fund Transfers of my mortgage payment be suspended. XXXX confirmed that there would be NO DEDUCTION for XXXX or XXXX. 

On or about XXXX XXXX, Citibank, did deduct the {$1600.00} per month mortgage payment. I spoke with XXXX on XXXX XXXX about this and was told that the funds would be replaced and that once again XXXX EFT payment will be suspended. 

This morning, I was notified by CitiMortgage, that my XXXX mortgage payment was taken again and that I have overdrafted my account. 

Not only is this causing serious financial issues with me, but it 's also causing a tremendous amount of XXXX. I 'm asking for your assistance here in dealing with this matter once and for all. Please contact me at your earliest convenience -
Consumer complaint received 2015-07-14
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: BlueChip Financial (CA)

As a continuance to my official Case number : XXXX filed XXXX/XXXX/15, the Spot Loan has withdrew funds from my account a day prior to my request for withdrawals on the XXXX! Now I will be charged an overdraft fee of {$35.00}. I do not have earned income! Have you reached out to Spot Loan yet?
Consumer complaint received 2016-06-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

I had filed previously a complaint regarding my auto laon with Drive Time not appearing on my XXXX credit report, complaint # XXXX. On XXXX Drive Time representative named XXXX XXXX responded by stating : " Due to complications with the reinstatement process, we determined that XXXX XXXX 's loan has not been reporting to XXXX. We followed procedures previously determined by XXXX to be adequate for reinstatement and believed that XXXX XXXX 's trade line had begun to report. Upon realization that his loan was not reporting, we contacted XXXX and discussed alternative approaches for reinstatement, which have also been unsuccessful. We are currently working with XXXX to reach an amicable resolution for XXXX XXXX in the reinstatement of his trade line. 
We have been in correspondence with XXXX XXXX in regard to this matter, and we will contact him with any updates as they are made available. We apologize for any confusion or inconvenience this matter may have caused. Once the complications with reinstatement have been resolved, XXXX XXXX 's trade line should begin to reflect on his XXXX credit reporting within 30-60 days. '' I XXXX XXXX contacted XXXX on XXXX/XXXX/XXXX, to find out, my auto loan with Drive Time till this day does not appear on my XXXX credit report. This issue has been going on between me and Drive Time since XXXX/XXXX/XXXX when this issue was brought to my awareness. I brought it up to Drive Time on XXXX/XXXX/XXXX and still remains unresolved.
Consumer complaint received 2016-01-21
Product: Consumer Loan — Title loan
Issue: Can't stop charges to bank account — 
Company: MARINER FINANCE, LLC (MD)

Mariner Finance garnished my wages without properly notifying me. XXXX XXXX XXXX and XXXX XXXX XXXX located in XXXX notified me that a Garnishment was placed on my account XXXX XXXX, 2016. I did not receive anything in writing stating they were attempting a Garnishment. I feel this is very unfair and unjust.
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NV)

I have recently had some credit card delinquency, but not with some of my banks that I currently have revolving credit with. I have been trying to resolve my financial issues. In the meantime, I have never been late with a payment or delinquent with my Juniper Card through Barclay. I received my tax return and paid {$1000.00} payment on my Juniper card because I will have to take a trip XX/XX/XXXX and reserved a hotel room with it. I checked on my account today online to find my account has been closed! I called the number for customer service, thinking it must be a mistake because my card does not expire until XX/XX/XXXX, and customer service informed me that my account has been closed due to my credit report. Can they steal my money that way? Can I sue them for corrupt practices? Where is my consumer protection?
Consumer complaint received 2015-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (KY)

XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency.
Consumer complaint received 2016-08-13
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: First Data Corporation (NV)

For years I 've never had a problem paying big national chain stores, and local merchants with checks. Two months ago, a company called Telecheck ( First Data ), apparently hired by XXXX, XXXX, and XXXX XXXX began rejecting my checks as, they claim, my check writing pattern is indicative of fraud, though I have never bounced a check in any of these retailers. They are fraudulently representing themselves as having special knowledge when they do n't.
Consumer complaint received 2015-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SUN LOAN COMPANY INC. (TX)

I sent a validation letter to Sun Loan Company on XXXX XXXX, 2015 requesting they provide evidence about the note loan that they claim I owe them. XXXX XXXX XXXX XXXX provided a response to on XXXX XXXX, 2015 stating that I needed to provide a government ID or my social security information. This is a suspicion request since they are not listed on the credit report as a collection agency. I do n't think that I should provide my social security or government identification to this agency.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

XXXX fraudulent charges were processed by Citi Cards for {$100.00} per charge from XXXX XXXX XXXX XXXX. They initially credit my account, however after the merchant provided illegible documentation the reprocessed the charges even though i timely provided certification that neither I nor anyone authorized by me made the disputed charges. They further threatened to notify the credit reporting agencies that my account is past due if i did not pay the amount.
Consumer complaint received 2023-02-05
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. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (RI)

I paid off the balance as stated when I signed into online banking on XXXX of {$90.00}. The VERY next day, the credit card company charged me a late fee for the previous month. Then they began charging me interest on the late fee ( no purchases had been made for several months, I was just paying down a final balance ) and I did n't realize it. I assumed the card was paid off, and the interest and late charges continued to rack up. I got a phone call about it months later, and when I went to look, I owed them {$75.00}! When I called, the guy argued with me angrily for a half hour about how I should pay my bills and I was late. I finally demanded a pay off number and paid {$77.00} ( a little over what he gave me to ensure they did n't try to charge me finance and interest charges again! ) today. Basically, they charged me interest on late fees which is absurd but also charging late fees the day after someone pays off their balance and not informing them that they actually will owe more is deceitful.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I requested to receive all three of the online credit reports at XXXX and was able to access XXXX and XXXX. I noticed a difference between reports and attempted to dispute the XXXX - XXXX XXXX XXXX Loan Amount. When I completed dispute, for Security Reasons the system booted me out. When I returned, it indicated I completed review of ALL XXXX credit reports. This is False as I could not longer logon again. I 've requested Experian provide me a link to retrieve my FREE Experian Credit report. 
Issue at hand : My Identity was misused by XXXX XXXX XXXX who was assisting me to purchase a property, XXXX XXXX, 2008, which he still owns. He used a Fraudulent Financial Institution : XXXX XXXX XXXX, Owner, XXXX XXXX, Used a Fraudulent Escrow Officer, XXXX XXXX with Fraudulent Escrow Co. XXXX, sold loan to a Fraudulent subsequent Financial Institution : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. Looking to EXPUNGE Fraudulent and Delinquent Bill from unknown Financial Institution. It 's not my Loan. Thank you.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

On XXXX case # XXXX was opened with the CFPB against XXXX XXXX XXXX. XXXX XXXX failed to respond after more than 60 days. This is longer than the 30 days permitted by Federal Regulation and the 45 day response time allotted by the CFPB. In accordance with federal regulations, each credit reporting company must immediately and permanently remove XXXX XXXX XXXX account # XXXX from my credit report.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (TX)

I received IRS Form XXXX for Tax Year 2016 indicating a discharge of debt by Discover Bank. My complaint here is not an admission that I owe or have ever owed this debt, I do not know at this time. I submit that if this was in fact ever a valid debt, it would have timed out years ago and the XXXX should have been issued long ago when it was clear the debt would not be repaid.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

Our Clients XXXX XXXX and XXXX XXXX applied for a Loan modification through PNC Mortgage. They were denied all Loan Modification Products and we were informed that they had no right to appeal their decision. We ran a REST report which clearly indicates that they do qualify for HAMP Tier 2 and the NPV is positive. We filed an appeal to their decision to review the Loan Modification again. When we called PNC to check on the progress of the Appeal, we were informed by the Relationship Manager that the file was not in review at all and they did not intend to do anything at all except move forward with Foreclosure. Under the guidelines and laws that apply to HAMP we completely ignored. The clients have NEVER received a loan Modification in the past.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Complaints : 1 ) Inadequate customer service - A collection company that has agreed to remove an item from my credit report failed to reflect so in its reply to the original dispute and Equifax asked me to file another dispute. If the collection company is misinforming Equifax and refusing to provide me documentation, then as a credit reporting agency that publishes information of one 's creditworthiness, the onus should be on Equifax to verify this information by directly contacting the collection agency rather than having the consumer file dispute after dispute. Another credit bureau XXXX directly contacted the collection agency and had the item removed. 

Attached is a document from original creditor stating that I am not responsible for the collection item ( Unfortunately the collection company refuses to provide me documentation that it has marked the item for removal ).
Consumer complaint received 2016-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
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 US DEPARTMENT OF EDUCATION : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX,
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (UT)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Consumer complaint received 2017-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Penn Credit Corporation (FL)

Several months of repeated phone calls, some with automated voice message, from a company called Penn Credit Corp. I gather they are a debt collection agency. I have no idea what this is about. 
They have not communicated with me by any other means. I sent them a " Cease and Desist '' letter by certified mail on XX/XX/2017. 
I received a signed receipt dated XX/XX/2017. The phone calls have resumed. In my letter I told them I would contact the FTC and the Florida Attorney General 's office if they continued the phone calls. They were requested to provide my letter to the company for whom they are collecting, so they have notice of my dispute. All this to no apparent avail.
Consumer complaint received 2016-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Managers, Inc. (WA)

My husband and I entered a contract with the property management company called " The XXXX '' ( incorporated as XXXX ) located in XXXX, WA that concluded on XXXX/XXXX/XXXX. Per the terms of our contract, the XXXX XXXX had 14 days after the leased property was returned to them to refund our deposit and present a statement of any charges withheld or due at that point. This can be confirmed by Section XXXX of our lease agreement ( 'Non-refundable fee and security deposit ' ) : " An accounting and refund of the Security Deposit or invoice for additional charges, if applicable shall be made within fourteen ( 14 ) days after the Tenant has vacated the premises. '' The XXXX XXXX did provide a partial refund of our security deposit, as well as an invoice for {$100.00} withheld on XXXX/XXXX/XXXX, within the dates set by the terms of our agreement. At that point, we had every reason to believe our business with them was finished. However, on XXXX/XXXX/XXXX -- 24 days after the end of our lease term and when the property had been surrendered back to them -- we received an invoice for a previously unmentioned charge for 'janitorial services ' for {$220.00} that contained no other explanation. 

Knowing this charge violated the terms of our contract ( as well as Washington State Law XXXX XXXX : " Within fourteen days after the termination of the rental agreement and vacation of the premises, ... the landlord shall give a full and specific statement of the basis for retaining any of the deposit together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. " ), we did not send an official dispute via registered mail until XXXX/XXXX/XXXX, after the XXXX XXXX threatened to refer it to collections as a means of negatively impacting our credit rating for nonpayment. Since they are fully aware we have no responsibility to pay this debt, their threats denote a clear attempt at extortion. Thus we sent all our supporting documentation with our dispute notice, as well as a request that both the charges be dropped immediately and to not be contacted by the XXXX XXXX or their agents again. 

These requests were not honored though, and now we have received a collections notice dated XXXX/XXXX/XXXX from " Grimm Collections '' in XXXX, WA for a {$220.00} charge that the XXXX XXXX was never legally allowed to make in the first place. The only reason we have ever been given as to why no attempt to even inform us of a need for cleaning services until 24 days after the premises was vacated was because they 'overlooked ' it. This admits to negligence on their part, that when coupled with the tardiness of their claim, negates any legal right they may have otherwise had to charge such a fee regardless of whether it was valid from the start.