davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

Navient has failed to let me know when interest will be capitalized on my loans and why. It seems to be at random and sometimes multiple times in the same year. They do not call or inform me when this is about to happen. If a reapplication for a payment plan is missed, they had suggested temporarily stopping payments until the plan was renewed. They failed to inform me that once it resumed once again interest would capitalize. This has made my initial loans go from about 44,000 to now owing XXXX. I have been paying monthly for several years and now owe more than when I initially graduated. They qualified me for a lower repayment monthly amount without telling me NONE of this will go towards the principal. I am paying on interest only in the allocation and then the leftover interest is getting capitalized onto the loan. I'm paying interest on interest for several years. I am working in the field I went to school for and I can not afford to chip away at this ridiculous amount and loan rate while still having normal everyday bills. I am beyond frustrated and feel hopeless about my student loans. I have also been advised to enter certain payment plans without being told that my amounts would not go towards any of the principle of the loan. 
No correspondence is given or any kind of warning when interest is going to be capitalized. 
I also feel that when my loans were consolidated they were put at a higher fixed interest rate than they ought to be since some of those consolidated loans were originally much lower rates. I was only advised that consolidating would be my best option. But if it was, then why raise the interest rate.
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

IT APPEARS IN MY CREDIT REPORT AN ACCOUNT WITH XXXX XXXX THAT IS IN THE HANDS OF A COLLECTION COMPANY, THIS ACCOUNT WAS REPORTED AS A FRAUD, SINCE I WAS INVOLVED IN THE THEFT OF MY IDENTITY, I DID NOT HAVE THIS CABLE TELEVISION COMPANY, A LOT LESS IN THE ADDRESS THEY SAY I HAD THE SERVICE. I HAVE REQUESTED VALIDATION OF THE ACCOUNT AND THEY HAVE NOT SENT DOCUMENTS THAT VALIDATE THE ACCOUNT, VIOLATING MY RIGHTS AS A CONSUMER,
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GAMACHE & MYERS, PC (MO)

On XX/XX/2020 my original creditor XXXX XXXX XXXX agreed to accept {$1500.00} as a full settlement amount on account ending in XXXX which had been placed with XXXX XXXX XXXX XXXX and had a balance of {$4300.00} at that time. My obligation to XXXX XXXX XXXX XXXX was completed in full. 

It seems that this debt which was settled in full was sold, maybe more than once, to another creditor who is now attempting to collect the remainder. 

The XXXX Card was issued by XXXXXXXX XXXX XXXX XXXX, related to, or my account may have been sold to, XXXXXXXX XXXX XXXX, then it seems to have been sold to XXXX XXXX XXXX, then put in the hands of XXXX XXXX XXXX, and now represented by the law office of Gamache & Myers. 

I attempted to dispute this debt online through XXXX XXXX which I would not recommend as a platform for dispute resolutions. 

I've also mailed hard copies of the documents to Gamache & Myers law firm. 

Correspondence with XXXX XXXX XXXX XXXX was originally conducted by my wife XXXX on my behalf.
Consumer complaint received 2019-12-30
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. (IL)

Equifax ; XXXX  and XXXX  are reporting incorrect language on the XXXX  account number XXXX. This account is being reported as a Balloon Payment account with a balance amount due of {$20000.00}. The original amount financed was {$26000.00}. The loan terms are to make 179 consecutive payments of {$170.00} of which I have made 167 consecutive payments of {$170.00}. The total amount I have paid to date is {$29000.00}. The interest rate that I was being charged was 7.030 %. This loan has since been paid and there is no balloon payment due. I have contacted H.U.D. in the State of Illinois regarding this loan agreement and I was told that this loan was not only a predatory loan but the fact that the Balloon Payment terms were never property explained to me is a direct violation of fair lending practices. I was victim of this predatory lending practice. The language currently being used on my credit report states this account has a Balloon Payment which is incorrect and my credit report is also showing an incorrect amount past due. This false reporting is seriously harming my credit score and this line item needs to be completely removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however I have not been successful.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (NY)

CARD.COM ALLOWED A COMPANY UNFAMILIAR TO ME NAMED, XXXX PAYMENTS TO TAKE {$110.00} OUT OF MY ACCOUNT WITHOUT MY CONSENT. THESE FUNDS WERE MY XXXX XXXX FUNDS THAT I NEEDED. ON XX/XX/22 I ATTEMPTED TO PURCHASE FROM XXXX  AND THEY DID NOT ACCEPT PREPAID CARDS. TWO DAYS LATER XXXX PAYMENTS TOOK {$110.00} OUT OF MY CARD.COM ACCOUNT WITHOUT MY KNOWLEDGE. I IMMEDIATELY CONTACTED THEM AND GOT THE RUNAROUND. I CALLED, I TEXTED, I WAS TOLD THE ORDER WAS DECLINED AND DID NOT GO THROUGH EVEN THOUGH I KNEW I HAD FUNDS IN MY ACCOUNT. THE MERCHANT CONTINUED TO IGNORE MY REQUESTS TO CANCEL THEIR UNAUTHORIZED CHARGE AND THEY PUSHED TO CREATE A TRACKING NUMBER WHILE I WAS ON THE PHONE WITH THEM AND WHEN I WENT TO CARD.COM TO DISPUTE THE UNAUTHORIZED CHARGE AND PROVIDE THEM WITH ALL THE PROOF I HAD THAT I DID CANCEL THE TRANSACTION THEY JUST IGNORED MY EMAIL PROOF AND DECISIONED THE DISPUTE BY PHONE WITHOUT EVEN TELLING ME. THEIR EXCUSE WAS THAT THE MERCHANT PROVIDED A TRACKING NUMBER. PROVIDING A TRACKING NUMBER DOES NOT MEAN THAT THE PACKAGE WOULD BE DELIVERED, AND CARD.COM SIDED WITH THE MERCHANT AND IGNORED MY EMAIL WITH PROOF THAT I DID CANCEL THE UNAUTHORIZED TRANSACTION. BECAUSE THESE FUNDS WERE MY XXXX XXXX FUNDS I FEEL STRONGLY THAT CARD.COM VIOLATED MY RIGHTS AND ALLOWED MY MONEY TO BE TAKEN AWAY FROM ME. I SHOULD HAVE BEEN GIVEN A PROVISIONAL CREDIT BECAUSE IT WAS MY XXXX XXXX FUNDS WHICH ARE GOVERNMENT FUNDS THAT CAN NOT BE TAMPERED WITH LIKE THAT AND CARD.COM SHOULD HAVE KNOWN THIS BUT OBVIOUSLY THEY DO NOT KNOW THE LAW!!! CARD.COM HAS CONTINUED TO WORK AGAINST ME AND NOT PROVIDE ME THE APPROPRIATE CARDHOLDER ASSISTANCE THAT I SHOULD HAVE RECEIVED AND I AM GOING OUT OF MY WAY TO REPORT THE BEHAVIOR OF CARD.COM AND THE MANNER IN WHICH THEY OPERATE. NOONE SHOULD HAVE TO FIGHT FOR 2 WEEKS FOR THEIR MONEY TO BE CREDITED OR REFUNDED. CARD.COM SHOULD HAVE PAID ATTENTION TO MY DISPUTE FORM AND THE ATTACHMENTS SENT TO THEM BY EMAIL THAT WAS NEVER REVIEWED. I FIND THEIR MANNER IN CONDUCTING BUSINESS TO BE VERY FRIVILOUS AND UNDESERVING AND NOT TO MENTION TERRIBLY UNPROFESSIONAL. I AM APOLLED THAT I AM EVEN DEALING WITH THESE PEOPLE AND THE IGNORANCE THEREOF. I HAVE HAD ENOUGH AND THIS IS WHY I AM REPORTING THEM SO THAT THEY CAN SEE THAT I WILL DO WHATEVER I HAVE TO IN MAKING SURE THAT THEY NEVER DO THIS AGAIN TO ME!! I WILL NOT ALLOW THEM TO GET AWAY WITH IT!! THEIR ACTIONS WERE INAPPROPRIATE, AND EXTREMELY PREJUDICIAL AND THEY DID NOT ADHERE TO THE GUIDELINES THAT ALLOWS A CONSUMER TO SHARE THEIR DOCUMENTS ACCORDINGLY AND I WANT THEM INVESTIGATED AND THIS COMPLAINT PROCESSED IMMEDIATELY! I HAVE ATTACHED MY ORIGINAL PROOF THAT CLEARLY SHOWS CARD.COM THAT I DID REQUEST CANCELLATIONS SEVERAL TIMES BY TEXT, EMAIL AND BY PHONE CALLS TO THE MERCHANT AND IF NOTHING ELSE CARD.COM SHOULD HAVE EXTENDED ME A PROVISIONAL CREDIT BUT INSTEAD THEY IGNORED ME!
Consumer complaint received 2022-11-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (AZ)

I had a repossession in XXXX and now there is a debt collector is garnishing my bank account for a total amount of {$26000.00} for a XXXX XXXX XXXX. I contacted Wells Fargo and they do not have anything of a debt from me.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XXXX ACCT XXXX XXXX, XXXX 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 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

XXXX $ was charged from atm two times I only had XXXX in my account and my account doesnt have overdraft they have my account at XXXX they have not helped like I thought they would they gave me run around the whole process
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (TX)

Will not send title and bill of sale Please do a search on XXXX  for Audi finance, there are multiple complaints I paid off my car in XXXX. 

Is this a possible class action?
Consumer complaint received 2022-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX received an email from XXXX regarding an order, clicked the link in the email as it turns it was a scam. The said they needed to issue a refund, attempted to refund and added an extra 0, than advised to me to give remote access to my computer. They Transferred {$44000.00} from my business account to my personal account and then wire transferred {$50000.00} to a bank account in XXXX. Went to chase bank location on XX/XX/XXXX opened a claim with Chase. Advised them of all information I had and then Waited until XX/XX/XXXX of XXXX when Chase said that there was nothing they could do to retain my business money and the claim was denied and the case was closed. I do not feel like Chase advised me well. I had to call several different numbers and keep getting different information. Cyber Fraud was committed on both my business and personal accounts and I was not given good advice or service.
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (LA)

In XXXX I received an auto loan from Exeter finance through XXXX XXXX in XXXX, La. Over the years I paid XXXX payments. I paid them double what the original amount of {$15000.00} sales price. At the maturity date of the loan XX/XX/XXXX they said I still owed Exeter close to {$10000.00}. ( XXXX XXXX of original sale price of the auto ) I cant get straight answers to how theyre applying interest especially when they offered me extensions. 
My loan matured in XX/XX/XXXX, Ive paid XXXX extra payments after the maturity date as I tried to figure out what the extra {$10000.00} was for and how I could have rectified or at least come to agreement with them. 
I tried to refinance the {$10000.00} and they told me I had to pay it all in full. 
They said that my account was over 100 days in the rear even though I have made XXXX payments since XXXX all the way up to XX/XX/XXXX. 
I didnt make a payment in XX/XX/XXXX because the email I requested of a full statement explaining how the interest and fees were applied to my account never was sent to me. 
They repossess my vehicle said they would only take a {$9000.00} payment which was the balance after the XXXX extra payments I made in XXXX and XXXX. 
I asked if I could refinance the {$9000.00} they said they dont do that. 
I researched online and discovered that Exeter has been sued by more than XXXX State Attorney General ( I know for sure in Michigan by XXXX XXXX ) where they had to pay millions back to consumers due to predatory practices so I am wondering if that is happening to me.
Consumer complaint received 2022-11-16
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. (NJ)

When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX XXXX XXXX. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXX XXXX XXXX for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/XXXX
Consumer complaint received 2023-03-15
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. (IN)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here.
Consumer complaint received 2020-01-19
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: Credence Resource Management, LLC (IL)

Credence Resource Management is knowingly reporting a fraudulent XXXX XXXX  collection on my credit reports. I notified Credence of this matter originally on XX/XX/XXXX. Credence investigated the matter and deleted the fraudulent account from my credit reports. XX/XX/XXXX Credence changed the account number and reinserted this account to my credit report. They are intentionally reporting a fraudulent account on my credit report -- willfully being noncompliant to the FCRA and violating my consumer rights. They insist on reporting a fraudulent account to my credit report and going about doing so by being deceptive. I feel at this point I am being harassed by Credence. They are causing much undue emotional stress. I work in XXXX  and am up for a XXXX  and XXXX. This will not occur with this negative account on my credit report. Part of the XXXX criteria is having good credit.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

BEEN A VICTIM OF IDENTITY THEFT AND THESE ACCOUNT ARE ERRONEUS IN MY EQUIFAX REPORT. I BEEN TRYING TO REMOVE FOR MONTHS NOW, BUT EQUIFAX AND THE COMPANIES LISTED BELOW ARE IGNORING THE FACTS AND EVIDENCE THAT I PROVIDED SUCH AS POLICE REPORT, IRS IDENTITY AFFIDAVIT, FTC AFFIDAVIT AND MORE. 
XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

My Synchrony card has XXXX options XXXX ) XXXX pricing XXXX ) Regular non-promo charges. A merchant made a charge on the card as a " regular '' charge vs a promo and I have been trying to pay off this balance for several months so to not incur more interest charges/fee. I have called the company multiple times since XX/XX/XXXX and requested many times for them to tell me what the NON-PROMO balance is so that I can pay it off. I have been told that I need to " figure it out myself '' by looking at my statements. I finally confirmed with them on XX/XX/XXXX with XXXX XXXX # XXXX what the balance was and I made an ADDITIONAL payment over the phone to pay this off. She ASSURED me that this would payoff my interest accruing balance. When I go on to their website, it shows that they have applied the amount as my regular payment which will be applied to the PROMO balances first and then ONLY whatever is >the min payment will go to the NON-Promo INTEREST accruing balance. I have sent there another message today, but they do not respond in a timely manner ever.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX  told me they have been unable to report since XX/XX/2022 due to a new reporting system. I was told by XXXX and Equifax to mail them my statements for manual updates. They failed to correct and insist they are verifying inaccurate information.
Consumer complaint received 2017-03-23
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (CT)

I depostited {$250.00} to a passbook savings account with TD Savings bank on XX/XX/2010 in the name of XXXX w/ XXXX and XXXX XXXX the day XXXX was born. I went to the bank last year to withdraw it. They said they did n't have it and they stated that they sent it to the State of Connecticut. I called the State of CT and the STATE said they do n't have it and asked the bank to supply the " line item info '' if it was in fact sent to them. I have been to the bank 2 times since. The bank manager takes copies of the passbook and states they will get back to me but they never do. It has been a year. Can you please help. I want my grandsons {$250.00} with interest
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I opened XXXX new accounts. A checking and savings account. I attempted to make a purchase but canceled transaction, merchant cancelled transaction. Following day I saw the transaction still posted, I reached out to merchant and they said they cant see the transaction gone through and I would have to contact financial institution. I filed a claim, later there was fraudulent activity I noticed I immediately reported this to the bank customer service department. They closed all accounts and opened me new accounts. Said when the funds were credited to compromised account they would transfer them to the account they opened. Once funds were deposited they would not transfer funds they closed the newly created accounts by them while I was at the branch. I spoke to them several as did the branch, they then told me yeah that money tht was credited belongs to citi so we blocked the accounts so you cant gain access to the funds. I have spoken to them numerous times and have been discriminated against my rights have been violated and my funds have been held XXXX. I will be looking into legal representation as some of the employees have stated that I need to sue because they are breaking the law I also have recordings of them yelling and laughing at me when Im on the phone with them. I have recordings of reps also stating that the account can be unblocked so that the funds are accessible. Still the bank has failed to provide the appropriate actions in regards to this serious issue
Consumer complaint received 2022-08-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (FL)

XX/XX/XXXX USPS Informed Delivery confirmation showing a US Bank Billing Statement/correspondence was sent by USPS delivery to XXXX XXXX. The statement/correspondence sent to XXXX XXXX directly references a debt for a mortgage/second mortgage, under account # XXXX ( see attachment # 1 USPS Informed Delivery confirmation of mail delivery on XX/XX/XXXX ). 

XX/XX/XXXX Qualified Written Request delivered on XXXX by USPS Priority Mail to US Bank National from XXXX XXXX specifically requesting validation of the mortgage debt referenced by the US Bank correspondence/statements being sent by USPS delivery to XXXX XXXX ( see attachment # 2 USPS confirmation of Priority Mail delivery ).

US Bank the servicer must acknowledge a request for information within five business days and respond within 30 business days. 
CFPB Defines a QWR : What is a Qualified Written Request ( QWR )? 
A Qualified Written Request, or QWR, is written correspondence that you or someone acting on your behalf can send to your mortgage servicer. Instead of a QWR, you can also send your servicer a Notice of Error or a Request for Information. 

BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1024 [ Docket No. CFPBXXXX XXXX XXXX XXXX Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) AGENCY : Bureau of Consumer Financial Protection . ACTION : Final rule ; official interpretations. 
https : //files.consumerfinance.govXXXX Ths is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. 

The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. 

Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 
807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX