davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
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. (MS)

I do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. 

Please remove this account from my credit file.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (PA)

I was on an XXXX XXXX flight when the flight attendant advertised the XXXX XXXX XXXX XXXX. She told the flight that the fee was waived for the first year and that XXXX bonus miles would be received when getting the card. <P/>When I finally received the card in the mail weeks later and activated it and looked on my account there was a {$95.00} annual fee on my statement. At first I thought this was a mistake since we had been told more than several times that the fee would be waived the first year. Upon calling the credit card company they said that they would not remove the fee, and that I would not receive any bonus miles until I paid the fee. These are extremely deceptive bait and switch tactics.
Consumer complaint received 2017-07-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (TX)

citibank continually try to collect of seeking to collect debt from the wrong person, and for the wrong amount ; Citibank is also seeking to to collect debt that can not legally be enforced ; My mother is deceased ( XX/XX/XXXX) and her estate was probated and finalized. <P/>On XX/XX/XXXX I discover Citibank has is seeking to foreclose on my inhered property based on my deceased mother alleged mortgage ; At the time of the alleged Loan My Mother was Hospitalized before durning and after this pretor Loan ; I have filed several complaints with the CFPB in regards to this matter all to no avail
Consumer complaint received 2017-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (NC)

On or about XXXX XXXX, 2017, I initiated a loan application for a loan from Moneylion.com after the company approved my application I was approved and the payment terms were set at {$37.00} per pay period and a {$99.00}, on the XXXX of each month, for a subscription fee. The company requested my payments be made via ACH draft. Therefore, I provided my XXXX XXXX routing and checking account number. After making a few payments, I elected to pay the loan off on my upcoming pay period. Therefore, On XXXX XXXX, 2017, I emailed a letter to Moneylion 's customer service team revoking the ACH debit or any type of access to my XXXX checking account. On XXXX XXXX, 2017, I received a response from XXXX stating the ACH revocation would be honored. On XXXX XXXX, 2017, I logged on to my account and noticed an overdraft due to a {$99.00} ACH from Moneylion.
Consumer complaint received 2017-10-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think equifax ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

DiTech XXXX # XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX  insurance was dropped on a property that I own that lowered my monthly minimum payment to {$460.00}. 

Problem : After XXXX written inquiries and XXXX distinct phone calls, DiTech has failed to correct on time payments to my account. Starting in XXXX XXXX, overpayments made to my account has not been properly applied to the Principal Balance after several requests to do so. 

As document C1 indicates, payments to DiTech are sent on a consistent monthly rhythm via auto Bill Pay thru my personal checking account ( XXXX ) in the amount of {$600.00} since XXXX XXXX. 

Approximately {$600.00} was sent on XXXX XXXX, XXXX ( see document C1 ), in which an overpayment of {$130.00} was to be applied to the Principle amount as previously requested. 

XXXX - overpayment appears to have been applied correctly - no problem XXXX - overpayment was not applied but placed in " Fund in Suspense '' account ( see B1 ). Additionally, my DiTech XXXX ( see D1 ) account shows that my overpayment was classified as a Late Fees. However, my payment was sent and processed by DiTech prior to the XXXX of the month in which late fees are applied per the Terms and Conditions. Both my record from XXXX and DiTech XXXX both indicate that my payment was received and processed prior to the XXXX. Furthermore, if I was late, why would my late fee be EXACTLY the same amount as my OVERPAYMENT. 

XXXX - DiTech appears to correct misapplied overpayment from XXXX by applying it to XXXX Principle, however, they did not apply it to XXXX ( Retro ) as requested. Finally, DiTech DID NO applied the XXXX OVERPAYMENT to the Principle Balance which was received on XXXX XXXX. 


In conclusion, DiTech failure to accurately process on-time payments result in my account occurring undue interest expense due to overage not being applied timely and correctly. Furthermore, it appears that I have to call annually to request that all overpayments be applied to the Principal Balance of the loan. 


Please, retro applied my XXXX overpayment to XXXX and likewise for XXXX. Any further inaccuracies after my initial request will result and legal actions. 

Thanks, XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (OH)

To the best of my knowledge these remaining medical debts were co-pays that should have either been covered by my secondary XXXX insurance or covered by XXXX who assists the indigent with remaining medical debts from the hospital bills. 

I spoke to the Choice Recovery collection group on several occasions by phone indicating the above and was either hung up on or told they will call me back in a week or so. It is discriminatory and harassing for the result to be derogatory marks on my Credit Bureau Report as I had communicated the appropriate resolve only for it to fall onto XXXX ears.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (NV)

The company ( Checkr , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ) has conducted several background screenings and continually ignores the 7 year rule for reporting outdated information that has been deleted from my history. Checkr is reporting negative information that is 8 or more years old to a potential employer.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

yesterday i looked at my credit report and noticed that there was hard inquiries placed on my account that i did not authorize. I have sent letters to the companies asking for verification and they have decided not to answer this in the 30 days permitted by law. I called equifax and and asked to speak with a special fraud agent in the united states about the account,. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no less ). I finally spoke to a representative and he claimed that he would remove them if i placed a lock on the account which i was very in favor of. The lock was not added and the accounts are still there
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

I joined the XXXX, upon graduation from college in XXXX of XXXX. I reported to basic training on XXXX XXXX of XXXX. Prior to entry on to XXXX XXXX, I contacted XXXX XXXX, then my student loan service contractor. I told them I could not pay the monthly payment of {$1200.00} a month and told XXXX XXXX that was reporting for active service. At no time did anyone suggest that I apply for an income driven repayment plan, which I found out a month ago, would have been my best option, as the payments would have been small, affordable for an XXXX, and would have counted towards the 120 payments for public service loan forgiveness. 

I was encouraged, on that phone call, to place my loans into long term military deferment. At no time during this conversation was I ever told my loans would capitalize. At some point, my loans were transferred or purchased by Navient. I was not made aware of this until one day a few years ago, possibly in XXXX, that Navient had taken over my loans. 

At no point in that written correspondence was I made aware of income driven repayment options. 

It was not until XXXX XXXX XXXX, a XXXX XXXX XXXX, came to my battalion formation and spoke about XXXX and income driven repayment that I came to be made aware that my loans had now ballooned to over {$100000.00} in the last 7 years. 

Had I been given the correct information 7 years ago, I would have been in IBR, and then REPAYE, and been 3 years from PSLF. Instead, I am facing the crushing realization that I have yet to make a single payment towards PSLF which would otherwise be happening in about 3 years.
Consumer complaint received 2017-06-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I graduated in XXXX, and have been making payments on my loans since graduation. I worked for a nonprofit organization from XXXX and despite repeatedly asking Navient about loan forgiveness options, was told I was not a candidate. Now if I sign up for a program, I will be starting all over again. Not to mention, I have been unemployed for two months and called and was placed on forebearance but was told my loan payments will be the same when I return to work. I will be paying onthese loans forever!
Consumer complaint received 2017-06-30
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: EQUIFAX, INC. (AZ)

this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. XXXX bought loan XXXX 2016. also, there was a three month payment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

XXXX XXXX wrongly reported to XXXX XXXX sale of vehicle XXXX, same year my hubby XXXX XXXX ... Having Asked both XXXX & equifx to remove from hard inquiry % acct as My son was to purchase for me but before any papers were signed, As we sat there, I called him to relate fees, finding he could not help me trade in my 15 yr ole ' XXXX XXXX XXXX So NO papers were signed. Papers were wronlly sent to XXXX. 
When Contacting XXXX in XXXX, they say they have no acct # yet they do not cancel here in my XXXX acct. last wk, reporting again to XXXX XXXX, both are off my XXXX acct. but not eXXXX.etc.. I pray I may be able to get a small loan to purchase a new home when I find the right one. & trade in my now 17 yr ole ' van..I Thank You. 

What I owe now & diligently paying on is for having improved a home I was lied to about condition on purchase, Because of seriously repairing & $ conditions, my ins. co dropped me, credit was damaged etc. & & i am still paying for w/my good XXXX Have Up graded & Sold that unloved house & purchased a lesser value home..Please help clear my good name.
Consumer complaint received 2017-06-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX of 2017 I applied for a XXXX personal loan. Wells Fargo denied the request. I have a credit score of XXXX ; I have a credit card with them with a limit of XXXX with a current balance of XXXX. I have collateral ( properties ) ; Steady Job ;  been employed by the same company for 14 years ; but I was denied. In the past I been denied twice. Because I m a woman and XXXX. THIS IS PLAIN DESCRIMINATION.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd (IN)

As brief background, I was XXXX with XXXX XXXX last year and, as a result, I have XXXX XXXX XXXX. I took my first XXXX in XXXX and returned to work sometime in XXXX. In XXXX or XXXX, XXXX claimed it apparently overpaid me ( I did not verify this claim ). As I was scheduled for a XXXX of XXXX XXXX in early XXXX, when I received notice of this, I contacted XXXX and agreed with a XXXX representative that it would simply withhold from my subsequent XXXX claim. When I received the " Final Notice '' of the overpayment just before my XXXX as well as a call from Brown & Josesph Ltd ( collections attorney ; https : //brownandjoseph.com ), I rang  XXXX and a representative told me that any payment under the new claim could not be used to offset the prior claim. As a result, I submitted payment to the collections attorney on XXXX XXXX. Today, I received my first XXXX payment from XXXX for the recent XXXX and XXXX withheldin full and perhaps even withheld more than is necessarythe amount it claimed to have previously overpaid me. XXXX claims this check was mailed on XXXX XXXX, well after I paid the debt to Brown and Joseph. <P/>The amount is also not insignificant as XXXX appears to have withheld {$3500.00}. This is in addition to the {$2300.00} I paid to Brown and Joseph. In short, it seems I have paid XXXX {$5800.00} for a net overpayment of {$2300.00}. <P/>Also, while not insignificant, my XXXX has presented several challenges and this is the absolute last thing I need. I was horrified to be sent to a collections attorney, which was after multiple XXXX representatives verified the amount could simply be withheld from my XXXX XXXX claim. Now for XXXX to withhold additional sums is just upsetting. <P/>Please contact me to discuss further. XXXX.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (AZ)

I had paid for the highest level product from Equifax for the protection of my identity and the most updates of my credit report. In the end I had paid hundreds and yet I have been informed I am compromised again. I find this very XXXX, I once dreamed of owning a home, now I will be lucky if a bank will issue me a credit card.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

US Bank Checking Account # XXXX US Bank Debit XXXX # XXXX Date of Birth : XX/XX/1990 Last 4 Digits of XXXX : XXXX Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, USA Email Address on File : XXXX Phone Number on File : XXXX -- - To whom it may concern, I was traveling internationally for the period of XX/XX/XXXX through XX/XX/XXXX. On the XXXX, I logged into my US Bank online app in order to mobile deposit a check. I noticed the app gave me the error that " mobile deposit is not available for this account at this time, '' and I was promoted to call customer service. 

On XX/XX/XXXX, I called customer service at US Bank, was notified a restriction has been placed on my account, and was transferred to the fraud department. After talking to an agent from the Fraud Liaison center, I was informed a branch manager somewhere in Illinois named XXXX XXXX has placed a restriction on my account as of XX/XX/XXXX. No reason was given ( or noted on the account ) as to why a restriction was placed. Interesting thing is my address is in California, so I have no idea what a branch manager somewhere in rural Illinois has to do with my account... 

The agent from the Fraud Liaison center speculated that it may be due to the small deposits made into my account from XXXX XXXX XXXX. I explained to the agent on the phone that these are cash back I have earned through purchases made via XXXX XXXX that are being deposited into my US Bank account. The agent was convinced. The agent was unable to contact XXXX XXXX, as she seemed to have been out of the office for quite a while... 


Interestingly, on that same day ( XX/XX/XXXX ) that my account at US Bank was restricted, my brokerage account # XXXX at XXXX XXXX was also restricted. Even though this is still not confirmed, as XXXX XXXX is not giving me much information regarding the issue, I highly doubt this is a coincidence, as there were ACH Transfers ( large amounts ) that occurred between my US Bank and XXXX XXXX accounts in the past 2/3 months, and I am concerned the restriction at XXXX XXXX was placed at the instruction of whoever placed the restriction on my US Bank account... 

I, hereby, request US Bank to provide me with a CLEAR lawful reason as to why a restriction has been placed on my account, and the money in my account is being held hostage with no explanation or clear instructions on how to rectify the matter. As far as I know, I am not under investigation by any federal or state agency, and there are no judgements/court orders against me that would obligate the bank to make my life miserable. 

Secondly, if the agent at US Bank has also caused issues for my account at XXXX XXXX, I, hereby, request that contacts be made requesting my funds at XXXX XXXX to be released, and all the previous instructions to be reversed... 

Please contact me, promptly, if you need more information, or you need to discuss further steps to release my money, and my accounts. 

Sincerely, -XXXX  XXXX
Consumer complaint received 2017-06-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

On Friday,  XXXX   XXXX ,  2017 , at approximately  XXXX , Navient extorted money from me in order to process a forbearance.  XXXX   XXXX   XXXX , a supervisor with Navient 's collection department, stated that if the fee was not paid that the loan would default at close of buisness on  XXXX   XXXX ,  2017 , and, if that happened the loan would be turned over to a law firm for collections. I explained that I could n't afford the fee at this time and I was told my only option was to pay or default. I was forced to pay this fee by threat of future litigation and the embarrassment that comes with that ordeal.
Consumer complaint received 2022-08-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A States I have the right 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.
Consumer complaint received 2017-06-30
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: Experian Information Solutions Inc. (FL)

inquiry victim inquires from companies i never authorized on  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   Inaccurate information on my credit rep ort 1.   XXXX   XXXX   account late payment status,   XXXX   XXXX   reports as negative Due to do inaccuracy of this information i request you delete it from my file.
Consumer complaint received 2017-10-22
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. (UT)

I went to the bank with my father to open an account. The bank informed me that my father 's Bankruptcy is showing under my social security number at Equifax. I sent a dispute with a copy of my social security card and passport. I also sent a copy of the bankruptcy showing it belongs only to my XXXX year old father with the same name, different social security number, different birth date and year, different place of birth. Equifax replied that the Bankruptcy belonged to me, no notes on the investigation, no explanation of why. Just that they will continue reporting that it belongs to me. They did not take into account any actual proof that we are two totally different people with a totally different identities, lives, or personal history. Also that I could have no possible credit history as a minor ( XXXX year old ).
Consumer complaint received 2022-08-25
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: BARCLAYS BANK DELAWARE (OH)

My card was sold to another company. The payment agreement I had with XXXX did not transfer to Barclays. The autopay continued to work until it suddenly stopped. This resulted in a pst due payment reported. Is this allowed? I certainly would have paid the proper company had I known.