davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

On X/XX/17 Navient received an additional payment of {$50.00} from me. This payment was supposed to go towards the Principle amount and not interest. I followed their instructions and created a separate letter stating that i wanted my {$50.00} to go towards the principle balance. I stated it several times in the letter that they told me to write, they stated that placing it on the memo line of the check will not be sufficient. I look on my account today and see they they put the entire {$50.00} towards the interest, exactly what i specified them not to do. I have two loan consolidation lines and asked them to put {$25.00} towards one principle and {$25.00} towards another principle. I am trying to pay down the balance of my loan so i wo n't be paying it off for the rest of my breathing life. How are they allowed to blatantly ignore instructions they asked payees to do. I know they saw the letter because i placed the check inside the folded letter. I planned to mail {$50.00} every two weeks so it can go towards my principle but I see they do n't even follow their own instructions. Thank you
Consumer complaint received 2017-10-17
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: ID Analytics, Inc. (SC)

On XXXX XXXX XXXX, I received notification via my credit alert service with XXXX that my credit had been run by XXXX XXXX. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX XXXX, I received a notice in the mail from the XXXX XXXX of the incident  and also discovered that the XXXX XXXX also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (AZ)

Money deposited on XX/XX/XXXX. I advised Direct express XX/XX/XXXX of unauthorized fraudlant activity. 2 amountsvi explained to rep one fot XXXX another for XXXX Rep explained i would recive via, mail paperwork for me to summit with any unauthorized charges. There were one other truthfinder and magazines. Also, i had to obtain another card. I paid for 2 day shipping for card. I did not receive the card for 4 dsys. I was able only to speak to the dispute department one time when i first moticed. Now i sre those charges, as paid. And i am having a hard time financially afraid i wint have enough money to pay remaining bills.
Consumer complaint received 2017-08-18
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. (TX)

XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TN)

Good evening, On XX/XX/XXXX I received my credit report and became alarm at two collection activities on my credit reports. One of the collection activities was opened on XX/XX/XXXX in the amount of {$600.00}. The second collection activity was opened in XX/XX/XXXX in the amount of {$160.00}. I called to inquire about the debt and to find out who the original creditor is. I was told I had to identify myself by giving my ssn to the representative on the phone. I refuse to give my ssn and asked if I could speak to a manager as I wanted to ask questions about the alleged debt but the rep hung up on me. I have investigated and learned the collection company is Enhanced Recovery Corporation and are not license to collect in the state of Tennessee. I have written letters to stop further collection activities and phone calls but contacted today at XXXX XXXX. This company is practicing illegally in the stated of Tennessee.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AZ)

I have an account with Pay Pal. They have frozen me from viewing my account due to a disputed charge.They have refused to resolve the dispute and have informed that I would have to pay to get access. 

I have made multiple attempts to do as they ask and they are not responding. I have messaged customer service and called multiple times and have been placed on hold for hours and disconnected. 

They are also not sending me statements and are continuing to draft payments from my bank account. I have no idea if payments are being posted, how they are being posted or what activity is going on on my account. I had promotional interest free purchases that I have not been allowed to review and pay there by incurring interest. 

I believe it is unfair that I am not allowed to view my account or receive statements
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

I have had this same issue in the past with the original creditor  XXXX  and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with ERC, copy of letter and response is attached, and once again now this new collection agency,  XXXX .  XXXX   XXXX , is claiming I owe them without even mailing me anything through the  XXXX  Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if  XXXX .  XXXX   XXXX  can not verify this alleged account ac cording to the Fair Debt Collections Act.
Consumer complaint received 2018-06-02
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 — Investigation took more than 30 days
Company: Innovis (CA)

Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX  notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX  XXXX and this account does not belong to me
Consumer complaint received 2022-08-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

well here we go in a circle again. 
my father passed away XX/XX/2020. 
I can not beleive i have to write this again. 

please see the preveious complaint that was made and see citi banks enclosed response, requesting after weeks of waiting again and after months and over a year waiting still. 

and after they have had all the legal documents faxed to them many many many times. and they have been left and see as the citibanks branches live with me bringing them there. Here we go again with citi bank asking me again for the legal documents showing that I am the administrator of estate for my father XXXX XXXX XXXX, that again they HAVE BEEN GIVEN THESE DOCUMENTS SEVERAL SEVERAL TIMES. 

I DO NOT UNDERSTAND THEIR NON STOP DELAY OF ANSWERING A SIMPLE QUESTION. 
WHERE DID MY FATHERS CD GO THAT HE HAD WITH CITIBANK? 
WHEN WAS IT CASHED OR OR MOVED? AND IF MOVED? WHERE WAS IT MOVED TO? 

MY FATHER HAS HAD BOTH HIS SONS TAKE CARE OF HIM AT DIFFERENT OCCASTION WHERE HE WAS VERY ILL, IN ICU HOSPTIAL VISITS AND NURSING HOMES IN THE LAST SEVERAL YEARS OF HIS LIFE. 

IT APPAEARS A CD MAY HAVE BEEN CAHSED OUT AND STOLEN I NEED TO KNOW FROM CITIBANK, WHO ONCE AGAIN, AND AGAIN, AND AGAIN, AHS BEEN ASKED FOR THIS INFORMATION AS THEY HAVE IN THEIR POSETION. 
MY FATHERS DEATH CERTIFICATE AND THE LEGAL ADMINISTRATOR OF ESTATE PAPERS. I DONT ' KNOW HOW MANY TIMES THEY NEED THESE PAPERS GIVEN TO THEM BY ME IN THE LAST YEAR AND A HALF. 

I DONT UNDERSTAND THSI. 

I ALSO ASKED ABOUT SOME CHECKS AND MORE COPIES OF HIS CHECK REGISTERS AND CHECKS WRITTEN AND CASHED FROM HIS ACCOUNT BECAUSE AT NO POINT WERE THERE STATEMETNS AT THE HOUSE NOR STATEMENT MAILED TO THE HOUSE AND I ASKED FOR SEVERAL YEARS BACK AND I DO NOT UNDERSTAND WHY THIS IS SUCH A BATTLE. ALL THE WORK COULD HAVE BEEN DOEN IN TALL THE TIMES THEY HAVE SPENT ON PHONE CALLS, LETTERS AND RESPONDING HERE WITH TELLING THEY NEED PAPERWORK AGAIN. 

THIS IS VERY HARD ON MY WELL BEING TO CONTINUE TO HAVE TO SUPPLY CITIBANK WITH DOCUMENTS THAT THEY HAVE BEEN GIVEN SEVERAL SEVERAL SEVERAL TIMES. PLEASE JUST HELP. 

PLEASE STOP ADDING TO STRESS. i N EED THIS TO END. 

SEE THE DOCUMENTS THAT YOU HAVE BEEN GIVEN AGAIN AND AGAIN AND AGAIN AND AGAIN AND AGAIN ... NOW ONCE AGAIN ATTACHED TO THIS FILE IN THE COMPLAINT.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you Equifax => - XXXX XXXX XXXX - XXXX XXXX - XXXX | XXXX => -  XXXX | XXXX => - XXXX XXXX
Consumer complaint received 2017-08-17
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. (MD)

I have made 2 disputes to XXXX and Equifax to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have  a copy of the original document filed from the court house. There is only name and  address, no date of birth and no full social security number(it is retracted on all of their documents). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence, nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I received a letter from IC Systems in XX/XX/XXXX. The letter is dated XX/XX/XXXX. The letter stated that I owed {$59.00} with an account number to XXXX. I was a current customer with XXXX  at the time. I called the agency and they stated they received the account 5 days ago and that is was from equipment from XXXX. I told them that there was a mistake that all equipment from me moving was returned. I then called XXXX and asked them why they did not reach out to me regarding a balance when I am still a customer, I receive a bill to my current address, and transferred services when I moved. XXXX  advised me that they mailed a bill to my old address by mistake. I informed them that I returned the equipment. A representative stated that she would research it and give me a call. I never received a call and called to follow up on the research. I received a notification that the collection agency reported the {$59.00} on my credit on XX/XX/XXXX. I disputed this with XXXX. XXXX  never or the collection agency called me back to validate the debt or provide me an option after I disputed the debt to make a payment to avoid any reporting to my credit. XXXX  clearly admitted to making a mistake. If I am still a customer and had an up to date account why wouldn't they mail it to my address that I provided and still used? Why did they wait over 2 years to report to collections and why did no one ever return my phone calls to state they are still collecting. This was extremely unfair to the consumer that is blind sided by a debt not owed.
Consumer complaint received 2017-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

In the beginning of XX/XX/XXXX, I had gotten denied for an apartment where I was required to pay XXXX XXXX for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX XXXX loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged.
After contacting the local county clerk 's office by mail on XX/XX/XXXX inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I have a checking and saving account through Wells Fargo. Now, I have been very busy through a personal emergency that I am dealing with. Therefore, I have money in my savings account but due to this traumatic event did n't transfer my money into my checking account. Although, I did n't do this my Wells Fargo representative told me the two accounts are linked. So, if I am too low to do a transaction from my checking account, my savings will automatically withdraw to cover the transaction. The only problem is if this transaction takes place, I am also hit with an overdraft fee. Unfortunately, I was not informed of an automatic overdraft fee inclusion in the transaction. My complaint is if my checking and savings accounts are linked why do you also add an overdraft fee. I actually have money to cover my transactions but now I have a double or even triple charge as well. The transaction date of XXXX XXXX, 2017. and shows up on XX/XX/XXXX and XX/XX/XXXX statements.of 2017. I called to ask for a courtesy reversal. They said no. So their idea of linking the two accounts in actuality is n't true. They said I did n't have money in my checking account. So, the overdraft fee took place. I told them that 's why I have a savings account. There is actually money to cover my transactions. So why the extra fee. This to me shows shady under handed practice. I feel this needs to be looked at and corrected. My phone number is XXXX. My information can be sent or email upon request since this involves my personal and sensitive information about my checking and savings account. Your consideration in this matter will be greatly appreciated also thank you for your help in this matter.
Consumer complaint received 2017-08-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Navient wants to sign me up for a new payment program, but will not give me any information in writing about the program. Everything needs to be over the phone, which does n't allow me to keep track of what they tell me and how my payments will be handled. We have submitted all of the documents that have been requested of us to Navient. I have requested information on the next steps over email. All I am told is that I need to call the office. This gives me no control over what they say or tell me, or how I am supposed to prove what they say and tell me at a later date. I have already received conflicting information about my account when I called their office the same day.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

This is a follow-up to an ongoing Claim # XXXX which you indicate JPM is the process of reviewing. I have had a chance to review the documentation the notary, who came to my house to do the closing on the refi back in 2011, left with me. In this packet you will see : ( 1 ) copy of one of the letters from Chase responding to one of my claims, indicating that they had sent me a marketing offer for a super streamline HARP - As stated before this is incorrect. I did n't respond to any marketing offer. I enquired about getting a lower interest rate on my existing loan based on what the market was offering and being that Chase had my loan.
( 2 ) Copy of JPM Chase Commitment letter clearly indicating type of mortgage as : Conventional Fixed.
( 3 ) Copy of Notice of Right to Cancel clearly indicating type : Conventional ( 4 ) Copy of Uniform Residential Loan application clearly indicating type of mortgage as Conventional ( 5 ) Copy of Settlement HUD-1 clearly indicating loan type : Conventional uninsured ( 6 ) Copy of Truth and Lending Disclosure Statement Final copy indicating nothing about loan being a HARP. It is the Lock-in-Agreement the only document that refers to loan type as Conventional HARP. As stated before, based on the criteria required for a HARP loan, it does n't look like my loan qualified for such program as it did n't provide me with any added benefit but rather increased the overall loan amount by approximately $ 50k. Extended a higher rate than the current market rates while increasing my loan term by 13 years. The attachments clearly indicate that I was intentionally mislead. Chase never told me about the HARP program nor disclosed any advantages or disadvantages of converting into a different type of program. However, as the documents show, only the conventional program was being offered.
Regardless of the type of loan Chase granted me though, my request was to reduce my debt by refinancing at a lower rate which at the time was being offered, by different financial institutions including Chase, at below 4 % but Chase I only qualified for 5 %.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MO)

In XX/XX/XXXXI attempted to modify my 2nd mortgage with CitiMortgage. I was told by a Citi employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with Citi stalled, I received the attached letter from Citi stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. CitiMortgage is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OH)

My mother has XXXX XXXX, and I have durable power of attorney. I want to close her JC Penney 's charge card account, and I called them XX/XX/XXXX to confirm what information was needed and what  address to send the letter to. I sent the letter to XXXX XXXX XX/XX/XXXX at the address provided, requesting her JC Penney 's credit card be closed. The Power of Attorney document was included. I received a response XX/XX/XXXX detailing further information required to close the account. They are requiring a signed statement from my mother authorizing me to close the account. Due to her XXXX, this is not possible. More importantly, the Power of Attorney they received with my XX/XX/XXXX letter is my mother 's legal authorization to close the account, so an additional signed statement is duplicative. Additionally, they require my SSN and DOB to close the account. There is no logical reason to require my SSN and DOB to simply close my mother 's account. My address and phone number are provided in my letter. I called the bank today, and they will not honor my request to close this account. XXXX XXXX  's refusal to honor my legal request to close this account is nothing less than putting hurdles up in our attempts to care for our mother in a difficult time, and protect her finances from fraudulent charges.