davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

On XX/XX/2018, I checked my credit reports from all three major credit bureaus and I had found a debt collection company called Cavalry Portfolio Services , LLC I didnt take it seriously until early this year i began trying to clean up my credit report, they had bought my old XXXX credit account, which I am going through a settlement with a debt relief company, I immediately reached out to the credit bureaus and Cavalry Portfolio services about the amount they say I owe them is {$4800.00} I have written to cavalry portfolio services for proof of the debt, three times already and I had the letters certified, out of all three times, I had heard no response from cavalry portfolio services, but the Three credit bureaus came back as verified.
Consumer complaint received 2021-07-29
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. (MI)

Been contacting creditors, bureaus, third parties after 45 days I still have not seen or got a written response. A computer generated response is unacceptable. Remove this bull off my credit file you keep going against the law. Its clear! You guys are not following your written statements so In this matter before things get worse and legal remove these inaccuracies now! I dont even understand how could this happen I didnt give anyone any consent to access my file man XXXX
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (LA)

I have reason to believe that First Source Advantage has my nonpublic identifying informational without my consent and is attempting to coerce me to pay an alleged debt which is illegal. I need them to prove how they received my private information without my consent and also what law gives them the right to attempt to collect this alleged debt.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma (KY)

I have never lived in XXXX XXXX in XXXX, Ky. I have no idea how this address is showing under my name. I would like to know why it appears in addresses. I would like this removed and investigated as to why it appears. Has someone tried to obtain a loan or something in my name.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA XXXX as a XXXX XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this XXXX and XXXX. I have attempted to clean my credit report with this firm to no avail.
Consumer complaint received 2021-07-29
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. (FL)

This item has been disputed time and time again and it is being reported inaccurately, please remove this item from my credit report. Under the FAIR Credit Reporting Act this item has to be removed. I have attached two different credit report from Equifax showing the information being deleted and every time i pull my report from a credit monitoring platform ( XXXX  XXXX  ) it still pops up and its holding my scores back.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

My mortgage servicing was sold on XX/XX/2020 by XXXX, XXXX to PHH Mortgage. I was never informed nor sent any correspondence via mail, email, phone, or fax. I submitted a payment to my previous servicer and unknowingly it was rejected due to the loan being sold. I was never informed and now I'm left to trust a random, and rude, individual from PHH threatening to report me to the credit bureau and possible foreclosure. 

I thought it was my right to be informed of what was going on? I have received nothing from either side.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

Firstly, I started receiving notifications of making a payment before the 6 month period after being out of school. As I 'm aware, you do not have to make payments on your school loans till you have been out of school for 6 months or more. Secondly, I tried getting my payments lower when I was unemployed due to being laid off and it was impossible to get a response or receive any acknowledgement. I must have tried at least 3-5 times to lower it. Till finally I came across the deferring option but I knew that would make my matters worse. I feel I really did n't have many options of bettering the situation I am in. I believe I, and many other students like me, have been treated unfairly.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (SC)

I was having financial difficulties so I contacted the loan company for a repayment plan. The adviser gave me a repayment plan and a recertification date of XX/XX/2017. XX/XX/XXXX I received a notice that stated my plan ended and my repayment amount changed. I called twice and chatted online to see why. Each time I was told my plan ended because it was added at a later date than my other loans. This did n't make any sense because I applied the repayment plan to all of my loans. I was advised all I had to do was complete a form to recalculate my payment. I received the form prefilled by the previous agent. I signed the form and attached my proof of income. I never received an update so I contacted the company. Now I 'm being advised I did not complete the form correctly.
Consumer complaint received 2021-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AK)

I graduated with my XXXX XXXX XXXX in 2001. The school I attended ( XXXX XXXX XXXX XXXX XXXX ) told all of their students to take out the maximum loan amounts, which I did. 
I graduated in 2001 with XXXX in student loan debt. 

I started to pay on my debt, but when I could no longer find a job that paid well enough to make full payments, I asked for income based payments. I was told I couldn't because the amount I made would not cover the payments. I was told my only option was forbearance. 
This went on for a number of years. I was willing to pay, but as the principle grew, so did the payment amount. Eventually, the forbearance option ran out. My principal amount owed is now XXXX. I am now in repayment but my payments are finally based on income. 
why was I denied this option until there was no other option? why was I denied this option until my principal nearly tripled making it near impossible to make payments? Interest rates drop for mortgages, banks, car loans but my student loan is over 5 % and now it has grown to be a debt that I may never be able to repay. 
I took out the loans. I owe the money. Yet the loan processing company ( Sallie Mae ), would only allow forbearance until it was no longer an option. there was no other choice.
Consumer complaint received 2021-07-28
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-27
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. (TX)

No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX- XXXX UNVERIFIED ACCOUNT XXXX  XXXX NOT MY ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1969
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Data Systems (SC)

XXXX XXXX XXXX  XXXX has reported three separate accounts as delinquent on my credit reports with all three agencies. Not only did they report these accounts as delinquent on my account, they sent them to a collections agency who also reported the accounts as in collection on my credit reports. I have never received a bull or phone call from either of them. To make matters worse, when I called XXXX XXXX six weeks ago, I spoke with a supervisor who admitted to not sending any letters and also stated she would reach out to the collection company and have them and Sound Physician remove these three accounts from my report. I'm not sure why they reported these medical bills because these bills were accumulated on behalf of my special needs son who has XXXX and all of his medical bills are paid for 100 % by XXXX. The supervisor admitted to having spoken with XXXX and XXXX advised them to terminate the account. I have reached out to all three credit bureaus and filed disputes to no avail. My credit is ruined and I would like them to remove themselves from my credit report as they are knowingly reporting a lie to get paid for accounts XXXX has already paid.
Consumer complaint received 2021-07-27
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: C/C Financial (NY)

Accounts appear on my report that I never opened or authorized. The accounts are : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX PREF LEASE  XXXX XX/XX/XXXX
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MN)

Citibank refuses to remove me as an authorized user on my mother 's credit card. Both my mother and I have spent over 7 hours on the phone with Citi Bank on XX/XX/20 and XX/XX/20 respectively. We were transferred around endlessly between different departments, each saying they do not have the authority to process the request because my mother is on a repayment program, and I must talk to the department who last transferred us. It doesn't appear anyone at the company is capable of performing this routine function. 

Even though the account was closed nearly 3 years ago, they only started reporting my authorized user status to credit reporting agencies one month ago, which caused my credit score to drop 20 points in 30 days, so it is not a trivial matter. 

My belief is that Citibank wants to keep me as an authorized user and apply credit pressure in case my elderly mother dies or defaults on payments so that they can come after me, despite there being no legal justification for keeping me on the account that they can cite. Not only is the account closed, I haven't even had a physical card for this account or initiated a purchase on it in nearly 10 years. 

I don't believe they have the right to keep me on the account, or to continue reporting my involvement with the account to credit agencies after both the primary account holder and I have made more than reasonable attempts to sever my involvement with the account.
Consumer complaint received 2021-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

The current Bank holder still has not recorded a reconveyance of the mortgage securing a HELOC that they prematurely closed after I paid down balance to 0 owed & in good standing ) on XXXX XXXX7. The Deed of Trust securing the original {$640000.00} remains a cloud on my title. I understand they have violated civil code S 2941 etc. but issue seems to be that the file had been over to their trustee to reconvey & after starting process by recording a substitution of trustee on XXXX XXXX XXXX, the trustee dropped or maybe lost the file?? Anyway the substituted trustee for the bank did not then sign & record the reconveyance. And no one at bank, no one I have talked to has been able to get this done.
Consumer complaint received 2022-10-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (MI)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Wrote many letters to company to resolve/ dispute/ removal from credit report. This is a direct violation of HIPPA. They have sent itemized statements of my private procedures
Consumer complaint received 2016-07-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I sent XXXX XXXX XXXX a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.
Consumer complaint received 2021-11-25
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: PENTAGON FEDERAL CREDIT UNION (NY)

I am an authorized user of XXXX XXXX XXXX XXXX ending in XXXX paid off infull with XXXX balance. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

In Addition, Penfed credit Union overdraft is also paid infull with XXXX balance for account ending in XXXX. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

As a result, my recredit report is incorrect and inaccurate.
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MO)

The year XXXX was a rough year for me. My father passed and he was the glue to the family. Most of our family members have not been found since his passing. However, after him passing I had some hardship and was struggling to even feed my family along with a host of other things. My car loan with Wells Fargo defaulted and the car was repossessed. All my car loans have been through Wells Fargo so this is my seventh or eight car where I have utilized Wells Fargo services. I asked them could they reconsider how they are reporting my loan for the year of XXXX and was denied. I have been a customer with them since the mid XXXX 's and had planned on continuing to utilize their company but would be forced to stop after this loan is paid if they don't see me as a valuable customer. Also last year when the pandemic hit they had a program where they could help you defer your loan for up to 3 months. I took advantage of that program and spoke with a representative there that told me my payments had resumed back in XX/XX/XXXX. Wells Fargo is not reporting my payments correctly. They are just now reporting a payment made in XX/XX/XXXX and I've started paying back on the loan close to a year ago now.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I received a notification from XXXX  stating that a hard inquiry had been initiated with JPMCB-Card Services ( JP Morgan Chase ) and it was inquired on XX/XX/XXXX. I did not inquire a credit card with them or any other company ; This is a fraudulent act that I am hoping can be resolved and removed as soon as possible.
Consumer complaint received 2021-06-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (MN)

On XX/XX/XXXX I went into XXXX XXXX to sign loan paperwork to pay off my Ally lease as the lease was coming to a conclusion and I intended to keep the truck. On XX/XX/XXXX a payment posted to my Ally account for {$25000.00}, which I expect to be payment in full. On around XX/XX/XXXX, I looked at my Ally account and to my surprise it shows a past due balance or {$410.00} and an outstanding balance of {$820.00}. 

I contacted Ally, they told me that I needed to contact the dealer. I contacted the dealer and they told me the {$25000.00} was payment in full. 

I'm concerned that if this is not resolved before the end of XXXX that Ally will post a late payment on my credit report. I'm also concerned about paying them and then attempting to get back the money that they would owe me.
Consumer complaint received 2022-10-14
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. (IN)

In accordance with the fair Credit Reporting act. The of of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. Account number XXXX 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION (AZ)

In XX/XX/2019, I initiated a transfer via Alliant Credit Union's website, to transfer $XXXX from my XXXX XXXX checking account into my Alliant Account. The app told me that it would be available on XX/XX/XXXX. In the past, each transfer I have made in this manner has cleared on the date that the app said it would be available. I logged into my account on XX/XX/XXXX and noticed the money had not transferred. Further, I logged into my XXXX XXXX account and them money had never left XXXX XXXX. I went into my transfer history and pending transfer list on the Alliant app, but no transfers showed. It appeared that the transfer was somehow deleted. So, I initiated the transfer again. Sure enough, the next day a transfer appeared, and a second one occurred thereafter. This second transfer caused the XXXX   XXXX account to become overdrawn. The second transfer was returned, and XXXX XXXX charged me a $XXXX  fee and Alliant   charged me a $XXXX  fee. All of this was because of the glitch on Alliant's end where the deposit did not clear when it was promised, but more importantly, did not even show as a pending or historic transfer. There was no evidence on the app that the transfer existed at all. I called Alliant on XX/XX/XXXX and requested these fees be refunded. I further told them that they should let their IT team know about the issue on their app with pending transfers not showing up. I was told a supervisor would contact me to discuss the issue. I was never contacted and the fees were not refunded.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

On Thursday XX/XX/XXXX, I responded to an email that appeared to be from XXXX XXXX stating my " annual '' fee was being automatically deducted from checking account for {$290.00}. 
*I don't have a XXXX XXXX account *called the " customer service '' phone number on the email at about XXXX XXXX *worked with a person who claimed to be from XXXX *opened my Chase bank account so I could be refunded the {$290.00} *He began to operate my screen on his own without my support *He made it appear the {$29000.00} was sent to my checking account *He then began to convince me to send them a wire transfer for {$9400.00} *we completed that request and it appeared to be being sent to XXXX *I began to question the whole process and he was adamant that i not tell anyone or turn off my computer *He identified himself as " XXXX XXXX '', phone # XXXX *This made me more nervous and I eventually turned off my computer. 
*In accessing my Chase account, i discovered that this person had only transferred the {$29000.00} from my savings account *This was done without any delay from Chase which is their SOP on transfers of that large amount *Since my bank was now closed, I went to my local branch at opening time XXXX to make claim for being scammed on XX/XX/XXXX *I worked with XXXX and called claims and fraud to get the claim started *on Sat. XX/XX/XXXX, i filed a police report, # XXXX with XXXX, FL offfice of the XXXX XXXX Police with Deputy XXXX XXXX, phone # XXXX *Please the attached wire transfer info *on or about XX/XX/XXXX, i was informed by Chase that my claim was denied and the funds had been taken from my checking account