davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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: DigniFi (NV)

Dignifi reported a 30day late payment on my credit report for XX/XX/XXXX. I called them immediately upon seeing this, I was told by the customer service representative XXXX, that my payments were never 30 days late and that I need to submit this in writing and fax it to them. I did exactly what was asked of me. It was confirmed on my credit report. I called them back and spoke to customer service supervisor, who reviewed my account and verified that info not have any 30 day late payments and indicated I need to fax ( again ) a letter indicating this information. I made a payment XX/XX/XXXX which was late however not 30 days late. I again submitted a payment on XX/XX/XXXX and paid the account off on XX/XX/XXXX never submitting a payment over 30days.
Consumer complaint received 2015-10-20
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: High Point Asset Inc (MI)

Relatives have gotten phone calls from High Point Asset Inc saying that I used them as references which I never did and they are going to be held liable for payments. True I did have payday loans in the past that have been paid in full but some of the names they said were used as references is false.
Consumer complaint received 2015-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: J&L Collection Services (CA)

On XX/XX/XXXX at XXXX I contacted J & L Teamworks regarding my credit report. I spoke with XXXX. I told her I had XXXX accounts on my credit report from them with a XXXX balance appearing on XXXX but balances owed on XXXX and XXXX. She said she would give it to her supervisor for resolution yet here we are XX/XX/XXXX with no resolution. On this call she also said I had an open balance with them for {$130.00} from our local hospital XXXX XXXX. I immediately looked at my bank account and I had paid XXXX and possessed the cancelled check. In addition, I phoned XXXX 's accounts receivable department and they confirmed there was not outstanding balance. Again, she said she would tell the supervisor and get back to me. I have now received another collection letter from J & L Teamworks for the same {$130.00}. I just phone dJ & L and spoke with a XXXX. He said the {$130.00} is still due. I explained the above information and said he would look into it, that no one by the name of XXXX has ever worked there, then he proceeded to advise me there was over {$3000.00} of additional invoices due dating back to XX/XX/XXXX all under my wife 's name. I told him that was incorrect also. I asked him to email me the invoices and he refused. 
I have dealt with J & L Teamworks over the years as our local hospital XXXX sends all of their collections to them right at the 30 days due mark. J & L Teamworks using harassing tactics and bullies their debtors as well as never following through on what they say they will do, as exemplified above. They are very fast to report inaccurate information on a debtors credit bureau as a leverage tactic, but never seem to get around to fixing the incorrect reporting. This company needs to be fined and put out of business. 
Finally, they broke the HIPA laws by reviewing these " so called '' outstanding bills with me, when the account is under my wife, XXXX XXXX 's name. 
I respectfully request that the CFPB contact them, get these items removed from my credit bureau as I was promised and provide a full and detailed list of these supposed past due bills amounting to {$3000.00} from XXXX. 
Thank you
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

I have been affected by the downturn in the economy since the market crashed XX/XX/2008. I have been on and off public assistance and unemployment, whilst seeking work in my field. I fell behind taking care of my Perkins loan, although I tried to get it out of collections, I let it slide, and it transferred from agency. I am finally in the process of getting my life back on track with a contract position. I was incensed, however when I received a call from " Conserve '' at my job today. They were very hostile and aggressive. I asked them who they were and for an email or web site, and they would not cooperate. They embarrassed me whilst I was trying to work to pay my bills, and debt that capitalizes daily. I have enough stress in my life trying to pay for food and a roof over my head, and I do not need to have my place of work interrupted with rude debt collectors. Why ca n't I roll this perkins debt into one of my consolidations? Why must I be harassed, while I am trying to keep my employment? I have enough anxiety trying to perform well at work, I do n't need to worry about losing my job because a debt collector is calling. People are cut throat enough, I do n't need this XXXX. XXXX, I ca n't deal with this. Their number is XXXX. I am not giving out my personal information to a stranger, who would n't even be forthright with whom they were. I am already on income based repayment. Please help.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (TX)

My complaint is against DISCOVER credit card company, who filed an unjust credit report against me to XXXX. 

I have been a Discover customer since XX/XX/XXXX, owning a Discover credit card. After opening this card, I have registered it online and asked for " paper-less statements and payment notifications '', giving my email address. Every month the statements and payment notifications were sent by Discover to my email. Based on that, every month I paid my statement in full and on time. 
During the year of XX/XX/XXXX I have used the Discover card much less. On XX/XX/XXXX I found out, purely by chance, that I had missed the XXXX payment ( {$48.00} that had been due on XX/XX/XXXX ). I immediately called Discover and made the payment. 
After further clarifications it became clear that my email address had been corrupted in their system, showing a weird domain name, instead of " XXXX ''. As a consequence, I had stopped receiving notifications about statements after XX/XX/XXXX. 
When I found out that Discover reported me to XXXX ( and possibly additional Credit Bureaus ) for " 30 days non-payment delinquency '', I 've called and requested them to cancel the reporting to the credit bureaus, since the delayed payment is a consequence of the glitch in the Discover system, but their representatives refused to remove the report. 

In three subsequent conversations, on XX/XX/XXXX, with several representatives and two supervisors, I asked to be contacted by a manager. No attempt was made by Discover to call me back. 
An additional attempt made by me to talk with a supervisor on XX/XX/XXXX failed, the call was disconnected - and nobody called me back. 
My written dispute to Discover ( via messaging on discover.com ) was addressed by XXXX, " Escalations Manager ''. XXXX inaccurately claimed " we did try to get in contact with you and left a voicemail on the phone ''. No such thing happened, as my phone records can prove. 

As of today, XX/XX/XXXX, I have not heard back with a resolution, and have decided to submit this complaint to CFPB, as I feel that I 've exhausted any possibility of receiving fair treatment from Discover.
Consumer complaint received 2016-11-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (TX)

I am filing another complaint on behalf of my son. The original complain is Case number : XXXX. We were over 2 months behind on my son 's student loans due to the fact that Discover was asking for over XXXX % of his salary. We were paying what we could but Discover never recoginized it unless it was the full payment. I called and setup a plan with Discover to divide a {$2400.00} dollar payment into three equal payments and with each payment, it would reduce the days late by 30 days until it was paid out. We made our last of the XXXX installments on XX/XX/XXXX. The system still shows 57 days late and they havent sent the appropiate information to the credit bureaus. They say they didnt say it would reduce the days late by 30 days but I know they did. Just ask for the recordings of our calls. I would like an answer and I would like them to do what they agree to.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Application processing delay — 
Company: DISCOVER BANK (NV)

Discover credit card. Send me for invitation card to apply for it. And after I let them run my credit thy just denied me to have a credit from them. I 'm side is just kind of nonsense to invited me to use or run my credit scores for nothing. It just waist of my credit scores. 
Ps.. Just want to complain them because of useful using the points of the person score for nothing. I 'm hoping that there do n't do this anymore for the other customer. Thank and looking forward to settling this matter.
Consumer complaint received 2015-12-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (FL)

I called discover card XX/XX/XXXX to tell them that I lost my card. They froze the card and told me I would not have to worry about any charges on the card. I even asked if this applied to recurring charges from subscriptions. They said yes there would be XXXX charges on my account until I gave them my new credit card number. After checking my credit card statement, they lied and there was charges on my card. Why are there charges on an account that was reported lost? Discover should be liable for these charges after lying to me.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MA)

I received XXXX letters in the mail, from Experian and XXXX, respectively, that informed me that an initial Security Alert had been placed on my credit report " at your request ''. I did not request such an alert. The phone number associated with the request ( XXXX ) has no relationship to me and is in another state ( California ). Attempts to reach someone at this number were unsuccessful - the number connects immediately to an answering machine ( my messages have not been returned ). I was able to view my credit report on Experian but there is no way to change the information about the security alert. I will be unable to receive credit for the next 91-120 days because all potential creditors are being instructed, through the credit report, to call this number to verify my identity. I am preparing a letter to Experian but I am not sure how successful this will be. Are there other steps I should be taking?
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX from Experian/XXXX states that I do not have the right ( by federal law ) to dispute or put in an investigation on credit inquires that were not authorized by me That all credit inquires will stay on my credit for 2 years whether there verified as valid or not
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

COMPLAINT : EXPERIAN : XXXX : XXXX : VS XXXX 1. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND XXXX IN CAL XXXX IN XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE XXXX PEOPLE IN XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NJ)

I used lending XXXX to view my credit score for free. The site kept asking my why I am checking my score. I chose anything in the drop down menu in hopes it would stop asking me the reason for checking score. after I chose auto refinance which was picking anything it asked me a series of questions. I answered them. It did NOT STATE IT WAS SUBMITTING AN APLLICATION TO LENDERS FOR ME! I t did not even ask me if I work or what my income is. I gave No pertinent information to incline it was an application. Next thing I know I am receiving emails from companies about an " application '' submitted! This put a hard inquiry on my credit report. I did NOT authorize this application! 
I am in the middle of applying for a mortgage and would never apply for credit at this time. I called the called the companies and explained this. They are not willing to remove the inquiry from my credit even though I did not know it was an application. I have called XXXX and complained to them about their site. They make it look like a screening tool when it is actually submitting an application. No where on the site did it ask If I would like to submit an application. very misleading and I want the inquiry removed.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

They have an XXXX account on my credit report that is more than 10 years old. the account was opened in 2006. i have sent a request to delete more than 4 times and also sent a copy of the payoff letter. they continue to claim it as a charge off but it should have been deleted 2 years ago.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

Inquires were removed and re added without notice or reasoning XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I have a hard inquiry from CBNA on my credit report from 2015. I received a loan this week and I saw that CBNA states -- amount owed {$20.00} and monthly payment is {$20.00}. I have no idea who this is. I do not have an outstanding balance to anyone for {$20.00} -- especially not since 2015! Hope you can help! I do not know who to contact to get this fixed. Thank you.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

The account in dispute is Child support enforcement.This account is delinquent I am not questioning that, but it has been paid every month for 4 years in a row. I sent supporting documentation showing the payment history directly from the creditors website. Since the initial dispute they have continued to make the reporting more and more derogatory. Initially it showed 120 days late but reported the payment history. After the 1st dispute the moved it to 150 days late, after the second dispute they added a note that creditor recently located me and moved it to 180 days late. I have made on time payments for 4 years straight and again uploaded the evidence of this to Experian. This reporting needs to either be corrected to report the accurate reporting of the 4 years payment history and the insinuation that I was just recently located or it needs to be removed altogether. They are in violation of both the FCRA and FACTA. It is obvious that they are on a vendetta because I dared to dispute their inaccurate reporting. Please Help. I did try to upload the payment history on your site but the attach button is not working
Consumer complaint received 2018-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/2018 I have disputed this account with XXXX, XXXX, equifax, and XXXX has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The XXXX opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then Equifax, XXXX and XXXX are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/2018 to validate and provided me with documents for they have had plenty of time to have this proof on hand.
Consumer complaint received 2016-03-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CMG MORTGAGE, INC (NY)

I was seeking assistance with my FHA mortgage and after several months of sending in documents I was offically denied on XXXX/XXXX/16. My loan denial was mailed to me amost 7 days later with a turnaround time of 14 days to appeal me denial. Not only did I not have ample time to respond bit I was not given a specific reason on why I was denied.
Consumer complaint received 2015-09-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (KS)

Financed a vehicle from XXXX XXXX with Ally Auto. Last payment was in XXXX 2015. The bank has still not sent a copy of the Lien Release to KS Dept of Revenue / Titles and Registration. Vehicle was involved in an accident and totaled. XXXX will not settle claim without Title. Contacted customer service on XXXX XXXX and was told it would be faxed within 24 hours. It still has not been received to date.
Consumer complaint received 2015-03-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION (TX)

I walked into a Branch to pay a loan which was about 30 days past due.! paid the required about to satisfy the loan amount for the period. The loan amount was {$270.00} my pay check for the same period was {$280.00} and we are in a work slow down. So although I made the payment I was still past due. But I should have been current to that point. Now when I get calles from the bank they say I am XXXX days past due. And they have n't received a payment since XXXX XXXX although I paid them XXXX XXXX. So during this time I ca n't afford the banks manipulations of my money. On another note I had hope to get caught up with income tax return. But someone has stolen my SSN and applied for my income tax return. So when I filed they said I had already filed and now I am dealing with Identity theft. IRS is difficult to deal with having an I do n't care attitude, I 'm just doing my job. So the help I counted on is not coming for some more months and my pay is reduced to two days a week. The company does not supplement my income with unemployment ( XXXX ) they should but do n't. ( Texas ) Please note because they in the past have manipulated overdrafts and payments bouncing I have removed my money from this bank. But because of these loans which originated at XXXX which left the State and sold these loans to BB & T. I am forced to deal with them. But I can only try, but without extra money I will not jump through the hoops.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (WA)

My credit report shows a 90-day delinquency XX/XX/2017 with all three credit bureaus. I have never missed a payment with ED Financial since my bill pay was set for auto payment. There was no communication sent to me, my account is current and in good standing.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.