davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: D2 Management LLC (CA)

In 2018, I applied for a loan in the amount of {$200.00}. At the time I was unable to pay back on time - I tried numerous times to contact the company and never received a callback or any email correspondence. I received a call from a third party company stating I owe way over {$4000.00} in accrued fees in which I was not aware to happen. When I ask for validation of the accusation they state theyre unable to send the information. Im getting harassed by the company DTXXXX  Management that Ill be sued, garnished wages and more fees. I really need help as I dont know how they received my information and I cant get any response from XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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)

On XX/XX/2022 I submitted a dispute to XXXX about account XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX was reporting the account as closed/collection account never late. I informed XXXX that the account with XXXX XXXX XXXX XXXX XXXX was indeed open and was not a collection account. I informed XXXX to Delete ( not update ) this account. On XX/XX/2022, XXXX updated my report showing XXXX XXXX XXXX XXXX XXXX account open with a paid on time payment for XX/XX/2022. According to the FCRA this is not a accurate report. XXXX is suppose to report accurate information at all times. How can the account be open, then closed as a collection account, then back open again? How is this possible? This is not accurate. Remove ( not update ) this account immediately.
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc. (TX)

I reached out to XXXX XXXX XX/XX/2022, about the {$87.00} that is supposedly owed that i was unaware about for the longest. I told the agents that I had moved by the time that bill came around which the agent told me it was a XX/XX/XXXX bill, when i moved out of my apartment complex in XX/XX/XXXX. I also told the agent that when coming to the company, i had already told another agent that the contract should only be the length of my lease because i would be moving after that. They continued to still charge me although i was no longer in the apartment.
Consumer complaint received 2021-10-31
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. (NJ)

Back in XX/XX/2021, I submitted a request for proof of this bankruptcy on my credit report to all third party agencies.And they were not able to supply proof as to how they retained such information so XXXX XXXX Deleted it from their Database and sent me proof that it was deleted. I sent that proof to all three major credit bureaus that as of XX/XX/2021 it has been removed from they place they claimed they got it their information from so why are they still reporting this lie? Equifax told me and gave me a number for XXXX XXXX to call them and said thats the only way it would be removed from my credit. XXXX XXXX said we dont call credit companies.I want to know how are they investigating something that is no longer in the database? And XXXX XXXX is not a legitimate companyI need this bankruptcy removed for it is defaming my name and credit just remove this obscenity from my credit report all three credit companies it was an error so just remove it from my report instead of making like your disputing it with a real company because again XXXX XXXX is not XXXX removed for. Third party agencies and I never gave no one permission to put nothing on my credit report no how so why be so nasty and trying to defame with this.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AZ)

I tried to dispute an unknown charge of {$620.00}. The account is for XXXX XXXX, they passed in the debt to a collection agency, the name is convergent outsourcing. Entered a dispute, never disputed. Last updated XX/XX/2022.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, I logged into my Citi credit card account to check on XXXX of my XXXX credit cards I keep with them. When I logged in, I was unable to access my Citi XXXX card and saw a message that said it was inactive. I was concerned because I had not deactivated or done any action to close the account. I was worried there was fraudulent behavior and called Citi at XXXX in the evening. I spoke to several reps, who advised that my account was shutdown by Citi because it was inactive for 15 or 18 months ( XXXXwo reps told me two different answers ). I was quite upset. This is my longest tenured credit account and it's important for my credit score. It was extremely unfair of Citi, and honestly pretty deceptive, to shut the account down without telling me. On top of that, when i asked them to re-open the account they said it would take XXXX business days AND require a hard credit inquiry, notwithstanding the fact that I have an XXXX XXXX and another open credit card with active usage with them. 

It was like Citi was intentional about damaging my credit and did so in a way that was unprofessional and hidden, they never reached out to inform me of their actions. I never received a notification my account would be closed. I had not read my credit terms in YEARS ( because I'd had the card for so long ) that my account would be shut down for inactivity, and they did not provide me any warnings or letters that it would get shut down. 

I pushed to escalate and was finally advised that a more senior customer rep would call me back shortly. I asked that they call me between XXXX and XXXX AM because I would most likely be unable to take a call later in the day. I heard nothing for several days then on XX/XX/XXXX, I received a call back at XXXX, which I missed due to my work. I've given up with them, Citi is punishing me for literally no action, my card was shut down because I hadn't used it, and that directly hurts my credit. To re-open it is a hard inquiry, further damaging my credit. I am going to look for a new home soon and every basis point of interest matters in a mortgage, so Citi 's crude incompetence will probably cost me several XXXX dollars.
Consumer complaint received 2022-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (TX)

Flagship reports I paid late During XXXX, XXXX, XXXX and XXXX of XXXX and from XX/XX/XXXX through XXXX of XXXX in collections status. I had attempted on several occasions to make payment arrangements with lowered payment amount however they denied and continued to charge same amount plus late fees. The reason for my request was I was experiencing a financial hardship at that time as my daughter was in and out of hospitalization and experienced a loss in the family
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX XXXX Account # XXXX is still reported as open on my credit report. This account was closed when my insurance company XXXX paid off the loan balance in full after the vehicle was ruled out as a total loss on XX/XX/22.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

My credit card company failed to inform me about the penalties they imposed to me, i called costumer service XX/XX/XXXX XXXX they just told me they sent letter to me no action being made in favor to me which i feel this is not my fault they should call me and send email to me to make sure i dont get trouble with my credit card they dont do it because they want collect more money to me this is just a small amount of money but for me as laborer or just getting per hour job this is big to me and i feel injustice of my credit card company. they even failed inform to me that i have to pay them {$500.00} interest after XXXX of my credit card being activated, if i know this i never accept this agreement therefore i felt being a victim fraudulent activity of my credit card company
Consumer complaint received 2022-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CO)

I received a Federal Student Loan from XXXX, upon graduation XXXX XXXX was the servicer on the Loan. As of XX/XX/XXXX my loan was transferred to Nelnet. My payments with XXXX XXXX were {$770.00} at a 6.9 % interest rate. Upon transfer my loan payments are {$800.00} with a 7.125 % interest rate. I was trying to seek information regarding the interest rate increase, in addition to payment and account history since XXXX. Nelnet told me to contact XXXX XXXX, XXXX XXXX told me to contact Nelnet. In the meantime, neither company has account history for the last eleven years, nor can they provide me with answers regarding the interest rate increase. I would like access to all of my loan documents, signed agreements, payment history, etc in addition to an answer as to why the interest rate increased.
Consumer complaint received 2022-08-26
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MO)

Lexis Nexis is reporting derogatory information on my credit report I've gone onto their portal 3 times to obtain a copy of my credit report from them and each they asked me to enter my PII in order to obtain a copy of the report and each time i've done it on 3 separate occasions and each time I receive a letter in the mail telling me to access my credit report on their website and each time the site address and the PIN doesn't work after trying it several times the most recent letter came with a site of https : XXXX pin XXXX
Consumer complaint received 2022-01-16
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. (GA)

on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (AZ)

When COVID lockdowns started last year I needed to return cable television equipment my mail because the stores were closed. I sent three pieces of equipment back. The company gave me credit for two pieces and is attempting to collect for the third piece. We know they received the box because they credited me for two of the three pieces of equipment. 

They sent me to collections, I submitted a complaint, and they removed me from collections. Now they have sent me to collections again. Ive spent hours on the phone with them and no one in their organization seems to be able to resolve the problem. They are usually rude.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC. (CA)

On XX/XX/XXXX I filed for XXXX  XXXX Bankruptcy case number XXXX. Cashcall was included in the Bankruptcy. On XXXX of XXXX I had the case dismissed against myself and started calling the creditors to start paying them for the full amount owed prior to going into bankruptcy. On XX/XX/XXXX I called Cashcall to pay the amount of {$2500.00} in full ; however, they referred me to their attorney 's office XXXX XXXX XXXX. I made a payment for the fully amount owed with confirmation number XXXX. Cashcall is now hitting my credit stating that this account was a charge off and no payment was ever made. I have called on multiple occasions and I am not getting any assistance or response back.
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (GA)

BYL COLLECTION SERVICES , LLC contacted me via USPS in regards to an alleged debt on XX/XX/2021. I wrote a letter demanding validation of this alleged debt as I have no record of consenting to be communicated by BYL COLLECTION SERVICES , LLC nor am I legally obligated to pay any and all alleged debt to them as I have no contract with BYL COLLECTION SERVICES , LLC. I also attached a cease and desist with the beforementioned letter. Both documents were sent off XX/XX/2021 certified mail with a green return receipt and received on XX/XX/2021. BYL COLLECTIONS SERVICES, LLC was given 5 days upon receipt to provide proof for me to see that validates their alleged claim. They have failed to do so resulting in this matter being settled.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (UT)

The transaction was made on XX/XX/XXXX, but i thought the transaction was wrong, so i disputed it using the chase app on XX/XX/XXXX. Later on, i found out the transaction was actually legit, so i called chase to reverse the dispute and pay the money back to the original payment party. On XX/XX/XXXX, i found that the dispute was reversed and the money was charged again. However, the company who is supposed to receive the money did not receive anything back. Called chase again on XX/XX/XXXX, they were saying the money was returned to the company and hung up on me twice without solving my problem. Basically, i was charge this money and not sure where this money went. Chase, please return my money!
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

JPMC ( JP Morgan Chase ) has incorrectly marked my credit report as late : My credit score is still being impacted by JPMC. 

They claim I was delinquent on a car loan payment. I have always paid JPMC on time, and in full, via auto pay. They violated the fair credit reporting act, and never contacted me that they reported me for a late payment that is both false, and impacting my ability to borrow money. I have tried contacting them several times to no avail.
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

My name is XXXX XXXX, PayPal account number is XXXX. I have been noticed an unauthorized PayPal international money transfer of {$1200.00} USD on XX/XX/2022 by text message, and I have notified PayPal for unauthorized transfer and open dispute case on XX/XX/2022. The case ID is XXXX. The money is {$1200.00} USD ( NT {$31000.00} TWD ) is transferred to XXXX to someone I dont know, and from my XXXX XXXX credit card. It seems that the money is still on hold till XX/XX/XXXX, and PayPal could reverse the transaction. But I received the email from PayPal today said they consider the fraudulent transfer activity valid. Which is definitely not true at all. Please take action to cancel the money transfer immediately and reverse the fraudulent transaction asap. Thank you!
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

On XX/XX/25 I noticed my card was stolen with money on the XXXX play platform, and informed the customer service which company issued the vallina gift card. I followed their instruction to submit the dispute form, and was informed that the investigation takes about 90 days after receiving the form, which they confirmed it was XXXX as the starting date. However, I haven't received any response or investigation result from the investigation team, which I tried to contact them every month before and after the period of 90 days. What disappointment is the company separate the customer service team and investigation team, and no any contact information for the investigation team. What even worst from the customer service is they have neither approach to contact the investigation team and nor the right to retrieve the investigation result. In the last contact, the customer even hang out my phone call to follow deeper the situation.
Consumer complaint received 2022-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (PA)

I have made three monthly payments online. 
XXXX. XX/XX/XXXX amount XXXX XXXX. XX/XX/XXXX amount {$1900.00} XXXX. XX/XX/XXXX amount {$1900.00} The lender has " Returned Payment Reversal '' on the payments on XX/XX/XXXX and XX/XX/XXXX. The lender has failed to state a reason for the " Returned Payment Reversal '' The funds in my account exceed {$10000.00}, so the reason for " Returned Payment Reversal '' is unknown. 

On XX/XX/XXXX I suspected a problem with this lender and have attempted to contact by phone and was placed on a two-hour hold. And then the customer service department disconnected the call. 

ServiceMac reports " Returned Payment Reversal '', I pay these statements electronically. No funds have been returned to any accounts. Next, ServiceMac is adding a late check fee of {$150.00} and another fee of {$59.00}. ( FYI - I do not pay this account by check ). ServiceMac has failed to complete or explain any reason for my timely payments. 

My credit score is outstanding and I have never missed a payment on any of my accounts. I am very concerned about the business practices of ServiceMac , LLC. 

Can your organization help me resolve this issue with ServiceMac , LLC?
Consumer complaint received 2022-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (AP)

I have had a mortgage with Guaranteed Rate for approximately 2 years when I decided to transition from automatic monthly payments to paying twice weekly ( thereby reducing the lifetime of the loan ). Guaranteed Rate calls that program their Flex Draft Program, so I spoke with their customer service to get the necessary paperwork. Of course, they make the process a bit difficult because they don't want people to pay off their loans quicker, but that's no big deal. I had to sign some documents hard-copy and ship them back to Guaranteed Rate 's offices. ( For what it's worth, I'm US military stationed in XXXX, XXXX, so mail can take a little while ). 

The agreement clearly stated that my Flex Draft Program would take affect in the month after they received my signed documents. Based on the chat transcript I have attached, Gauranteed Rate recognizes that my documents arrived on XXXX XXXX. Therefore, my Flex Draft Program should have started in XXXX ( as indicated in the attached Confirmation letter ). Enrollment in the Flex Draft Program additionally requires that the Automatic Payments system be turned off, which I did. I then dutifully waited for the Flex Draft Payments to kick in throughout XXXX. They did not, but I didn't want to make a manual payment and risk messing up their system. 

Instead, early XXXX rolls around and I am immediately hit with a late payment notice. I've never made a late payment on anything, ever, in my life, and I had more than enough money to make the payment ( I can provide bank statements to prove that, but it seemed weird to attach those to an automated, unencrypted system ). Guaranteed Rate is the one whose system failed to activate and make the appropriate payments. But my credit has now taken a significant hit ( see attached credit report ), which I feel is entirely unjust. 

I have contacted Guaranteed Rate, and their position is that their hands are tied. The payment was late ( even though it was their fault ) and they are bound by law to report that to the credit agencies. It's obviously very frustrating to me that I have this delinquent payment on my record when I did everything I should have in order to make the payment. I have since sent about 3-4 continued messages to Guaranteed Rate but have not received any correspondence or replies from them since XXXX ( see attached screenshots of inbox and outbox on their servicing portal ). They've essentially stopped answering my inquiries ( calling during business hours is tough for me due to my location and time zone ).
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

XXXX, XXXX and XXXX XXXX XXXX  continue to affect my credit with these collection claims. I was a victim of fraud and ID theft!!! This should t be on my reports