davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (TX)

I began contacting Discover Card for an account I had XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Discover Card ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did we miss or were we late on a payment. Discover, along with several other credit card providers, had found the bankruptcy, in which I did NOT include any debt I owed, and automatically started slowly increasing the interest rate. After several years of paying the invoices we discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Discover did not. We quit paying on the card and continued to demand a refund, which would have resulted in us owing nothing on the card. XXXX when the write-off showed up on credit report I began writing Discover and the credit reporting companies in an effort to have the charge off removed from my report ( see attached letters ). Although I received XXXX response to my XXXX requests, the information requested was never provided. The information I was requesting were items listed on the CFPB site and I referenced the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. This debt was eventually sold and I have had similar contact with the collection firm. They too did not provide the information requested, specifically the information I needed to calculate and show the overcharge of interest.
Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CA)

Please refer to my prior complaint filed in XXXX 2015 to CFPB. Discover falsely and unjustly dropped my ID protection coverage on the pretense that it had XXXX failures at Address Verifications to my home address. This has been disproven by an investigation by the USPS, XXXX XXXX ( XXXX Manager ) XXXX XXXX XXXX XXXX, XXXX XXXX. I have the letter and would like to attach as it has been scanned. But the CFPB should know based on my last complaint that I had been receiving regular hard copy billings for ID Theft protection and paid them on time prior to registering the CFPB complaint.. UPDATE : Today the United States Office XXXX XXXX XXXX XXXX XXXX informed me that my ID and other confidential information were breached XX/XX/XXXX 2015 ( while, incidentally I was still under Discover coverage ) and that it would offer me and others so breached, three years of FREE US Government monitoring for which I registered today.. The point is that though I received an email from a Discover principle that my ID coverage would be reinstated based on the CFPB probe, that Discover NEVER reinstated it, so I am herewith registering my decline of any future ID theft coverage by Discover as the US Government is taking over.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (IL)

In XX/XX/XXXX I received a letter from Discover Student Loans that was very vague and lacking in details, but it said that there was a change in my account regarding interest capitalization and due to this change I am eligible for a credit. I was not give specific details regarding the interest, nor what the credit would be, and I have twice sent them a message through the mail center in my account and have not received a response. In addition, the XX/XX/XXXX student loan interest payments attributed to my account totaled {$460.00}, according to Discover, but according to my calculations that total should be {$600.00}. I initiated an online chat with a representative last week ( I believe it was either XX/XX/XXXX or XX/XX/XXXX ) to discuss the discrepancy. The representative added the interest as well and also concluded that the information included in my tax statement was incorrect, and therefore was requesting that a specialist look into this situation. I was told that I would be contacted in the next day or two, but nobody ever tried to contact me. So today ( XX/XX/XXXX ) I once again initiated a chat where I was told that after looking into the tax situation it was determined that the " credit '' I was eligible for was applied to my student loan interest payments for XX/XX/XXXX which reduced my interest payments by {$130.00} ( according to my calculations ). This makes absolutely zero sense to me. Why would a credit be applied to interest payments that were already made, which could reduce the amount of my tax refund? Why would n't that credit be applied to my current statement or statements going forward? I asked the representative these questions and he was unable to answer them. He told me that nobody would be able to answer those questions for me because changes being made to accounts " happen in the background '' and I would not be able to get an explanation as to how things were calculated. In my opinion this is incredibly deceptive. How can changes be made to my account without an explanation given to the consumer? If adjustments are being made, then somebody should be able to explain to me exactly what those adjustments were and how they were calculated. I am extremely frustrated with the lack of information being provided by Discover Student Loans, and I would like some answers as to why a supposed " credit '' to my account actually looks like a penalty when it comes to the information I need to include on my tax returns.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Equifax has report inaccurate information on my account after I previously submitted a complaint. They have added several inquiries and XXXX account and another previous address that has nothing to do with me. They added the following inquiries XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16, XXXX XXXX on XXXX/XXXX/16. This account was added XXXX XXXX and this address XXXX XXXX XXXX XXXX, XXXX AZ XXXX
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (KS)

Equifax refuses to remove paid state tax liens even though they are satisfied. They " require '' a court order for deletion of the state lien. Meanwhile, the clerk of the court says they have never done that and will not do that. Otherwise, they 'd have everyone in there doing it. So I 'm stuck. Punished for 10 years for merely a few hundred dollars. Why will the federal tax lien be removed upon request which I 'm guessing is THOUSANDS, but the state will not budge? Please help.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Previous information was deleted because these companies were not able to verify the account was mine " XXXX XXXX XXXX '' and " XXXX '' they have since then shown back up without notice. Why would you allow them to report again if they did not have valid proof or could n't validate debt.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I 'm filing a complaint because Equifax has not provided me with the documents that their company has on file to validate and verify accounts I requested as I do not recognize those accounts. Please resolve this issue ASAP. 

Thank you XXXX XXXX
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (AK)

I closed my savings and checking account at Key Bank. Both accounts where started in 2013. I did not opt in to overdraft protection. After closing the account, key bank paid debtors I was unaware of in overdraft and charges overdraft fees totaling XXXX They made no attempt to contact me until months later, and where unwilling to work with me at all at a branch. In accordance with the law, I want the charges stricken.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (RI)

I have not applied fo r a Mastercard from NetSpendSmallBusiness.com, but I 've received one in the mail. I do not want the card, nor do I w ant them to mail me any additional cards. It is my understanding that sending a person an credit card that they did not apply for is illegal. There is a number on the card to " activate '' it,  XXXX   XXXX . The number also appears on the back. I called the number, not to activate it, but to complain. My only options were to activate it, or provide them with my social security number, which I was NOT going to do. I feel t  his may be a scam.
I have had trouble with the risk of identity theft,   and my credit is frozen. They should not have been able to process a card for me. I 've called  XXXX , and there have been no inquiries by this company.     These people should be held accountable for breaking the law.     My name is  XXXX   XXXX . My telephone number i s (   XXXX   )   XXXX .
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (GA)

I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: EdFinancial Services (DE)

I recently received an e-mail from Edfinancial regarding a college XXXX loan they hold. Several years ago, they held my XXXX loans which were paid in full. At first I thought it was a bogus e-mail and was going to delete it. I clicked on the link and carefully maneuvered through it to see what information they may have on me or if any. When I called their customer service department I was informed they held my loan and wanted to speak to me regarding my payment. I had no idea they held a loan. I had not received any written notification or e-mail from the group holding my college note. According to their customer service department since they held my XXXX note they did n't see any reason to inform me as to holding the XXXX note. Those XXXX notes were paid off more than 5 years ago. When would they find it convenient to contact me? When I was past due? When I was ready charge off? In 1968, The Truth in Lending Act was approved. ( TILA ) protects a consume against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide a consumer with loan cost information so that you can comparison shop for certain types of loans. I check off approving the note from my university, but I had no idea you they were the holder of the note. If they approved my loan and viewed my credit, they will notice, I have steadily been paying down loans held by the state of Pennsylvania on weekly basis. If I had known they held the note I would have done the same and have begun to pay your note down as well. The note has accrued interest for over 90 days. I want the current interest accrued on the account removed. I will now send them weekly payments so as to begin to pay down the note and have it paid off sooner than expected.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my report
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MD)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information and public records that I donot want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (IL)

My complaint is with TCF bank. My son and I both had checking accounts with TCF. They closed them for " inactivity '' saying it was dormant.They took all the money in fees even though we were not in accounts that require minimums. I called to give them a change of address and was told it was closed. We did not use the bank because their website was so difficult to sign in and even use. Also, we could not get replacement cards even when we asked. In two you they never even replaced what would have been expired cards! Worst banking experience ever. I want our money back!
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I paid an old XXXX XXXX XXXX debt a year ago and just received a debt collection letter threatening to report me to the credit bureaus. I contacted XXXX XXXX XXXX again and they verified the account was paid, in good standing, and closed.
Consumer complaint received 2016-07-07
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC (NJ)

I took a loan with Big Picture loans. They were supposed to deduct the first payment on XXXX XXXX. I checked and it was not done. I called to ask why and they said they did attempt to deduct it but my bank denied it saying I stopped payment on it. I checked with the bank and no such thing happened. They then said they would deduct starting XXXX XXXX. No deduction and today I get a message again saying that my bank denied it and that I had stopped payment on it. This is totally incorrect. I feel these people are taking me and eventually will tell me I am past due when they are obviously not deducting the monies. I am not going to contact them again this time as they are lying. My bank said no attempt was made by them to deduct monies and there is no record that I stopped payment. They already want to charge me {$30.00} for being late when I am not late it is their fault. These people need to be stopped.
Consumer complaint received 2021-11-26
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. (NV)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXXBalance {$0.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX Balance {$13000.00} ;
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

I let wells fargo know about the fraudulent charges today. 

i initiated an investigation with them, ive tried getting in contact with XXXX as well through their support number but no luck. 

Multiple Fraudulent transactions on my debit card going ti XXXXXXXX
Consumer complaint received 2016-12-10
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (OR)

I sent {$760.00} from my XXXX account to a bank account in XXXX on XX/XX/2016 ( Monday ) using Remitly.com. The funds were to be delivered to the destination bank account by Friday XX/XX/2016. To this day ( XX/XX/2016 ) the funds were not received in XXXX, nor returned to my bank account. Remitly has no idea where the money went, and can not produce any proof that they correctly executed the money transfer from my account to the one in XXXX.
Consumer complaint received 2021-11-26
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. (TX)

Complaint : ( XXXX ) account # XXXXhas violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXsection b. XXXX XXXX XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX ) account # XXXXincluding third party debt collection accounts associated with ( XXXX ) account # XXXXbecause the account and information has been transferred and sold ILLEGALLY according to XXXX XXXX Code XXXX c-section b.
Consumer complaint received 2016-11-15
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LEXISNEXIS (IN)

I was notified by my auto insurance, XXXX, that my premiums were increasing {$120.00} annually partially due to a credit investigation by a contracted credit investigation company named Lexis Nexis. In XX/XX/2016 I was rear ended by a driver insured by XXXX insurance. All reports and actions were filed with both companies. The other driver was at fault. By XXXX I was asked to settle the claim by XXXX. They assured me that all claims to doctors and repair shops had been paid. I accepted. In XXXX I received a bill from XXXX for emergency services. I contacted XXXX and was told that the bill was never settled and to send it to them for payment. They would be suborned by XXXX. They were. In XXXX I was notified by XXXX that my premiums were going up in part because I made a collision claim. No one at the time I sent this bill to XXXX informed me that this would be a collision claim. I feel that XXXX failed to make me aware of this and also that Lexis Nexis never gave me a chance to look into this before they made a recommendation to raise my rates. This is deceptive practices to put an insurance customer in this situation without proper clarity.
Consumer complaint received 2021-01-19
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: Paypal Holdings, Inc (GA)

On XX/XX/2020 I went into a XXXX store and made a cash deposit of {$500.00} on my PayPal Debit Card. A few days later I notice the transaction did not appear in my account and I then made several attempts to contact PayPal and have not been successful or heard anything back as of yet. My PayPal XXXX ID : XXXX. My account is under XXXX.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CO)

Getting Collection Calls from XXXX and never received a billing statement. Filed bankruptcy in XX/XX/2014 discharged Chapter XXXX, submitted income based repayment, never received confirmation after all paperwork submitted. Still unable to get proper documentation regarding the loans. XXXX University also still has a hold on the account.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I 'm given to understand that the CFPB is investigating Navient. In early XXXX I was laid off, and Navient told me that forebearance was the only option besides a ~ {$450.00} combined monthly payment. I reluctantly agreed. After reading the investigation, I do believe these practices continued after XXXX and may even be continuing right now.
Consumer complaint received 2019-02-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2019,, Continuting Issues,, Yes I Did Received Some Response From Wells Fargo Bank, But Still Need A Lot More Work,, No I'm To Happy About theResponse i Received So I Think Through All Of This,, They Decline To Pay For Damages They Caused, Me And Family,, They Don't Care,, How Can Care About A Very Big Overrated Bank That ( Steals ) From Loyal Customers and Used ( Deceased Parents ) And Made Money off It, Does This Mean Anything,, U Tell Me? That Is Question? Yes I Do Think That I Should Be Considered For Some Type Of Damages,, Besides XXXX Knows The Truth,, He Do Have The Last Say!!