davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (NY)

I have made Extra payments to be applied to my principal balance and have selected that option. Citibank keeps putting it towards my Monthly balance. This is XXXX me up to pay off my balance quicker.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (MD)

I was advertised some products from a company and was told that a XXXX payment would be accepted for payment of goods. The XXXX payment was sent and no goods were received. Wells Fargo was made aware of this situation more than 3 times with no assistance to the consumer. I felt as though I was scammed for my money XXXX XXXX XX/XX/2022
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (SC)

They put my account into default when they were supposed to put a forbarence on it ( hurt my credit causing hardship ). Then they enrolled me into a program where i paid XXXX payments of XXXX $ to get out of default. After that someone from navient CALLED ME and we setup a payment plan of {$5.00} a month for the next XXXX months. I paid XXXX months on that plan and got a letter for them for {$68.00} a month. So i called them about it and they said there had been a mistake and i had to send them a letter or something and they were sorry but i have a forbearance and they could apply it to the account. She clearly stated in a recorded phone conversation that putting the forbearance on my account will not hurt my credit any more. So i agreeed. And now my credit score just dropped XXXX point. Please help i need this off my credit score i cant even get approved for an apartment. Thank you!
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

On XX/XX/2016 I sent a letter to XXXX, disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is mine
Consumer complaint received 2015-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Featured Mediation, LLC (UT)

XXXX from Featured Mediation called and left a message on my home phone on XXXX/XXXX/15 at XXXX. She said she was calling for my brother ( who lives in another state ) to collect a debt. My number is unlisted and further more my brother and I seldom communicate, less than once a year on cell phone, he does n't even know my home phone. I did not return her call as this whole thing sounds fishy.
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (FL)

XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MO)

I attended XXXX XXXX to pursue a degree in XXXX XXXX. I graduated with an XXXX degree and was told that I would get a job right after I graduate and if I wished to further my education elsewhere it would accredited. That was all incorrect. I was lied to from the beginning and they took me for loads of money and I can not even do anything with my degree. So I am XXXX dollars in debt and had to get a job in a field that has nothing to do with my degree because I am so far in debt I can barely even make the payment. I am barely scraping by. XXXX XXXX has ruined my life and put me in a hole I do not think I will ever be able to get out of.
Consumer complaint received 2023-04-14
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. (TX)

The late payments on my XXXX loans are incorrectly reported for XX/XX/2017, XX/XX/2017, XX/XX/2017 and should be updated. XXXX XXXX XXXX and XXXX XXXX  are not my accounts. I've already tried to dispute it with the company and creditor. I've filed a police report and sent in requested documents.
Consumer complaint received 2017-05-20
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. (FL)

I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft. Equifax,  XXXX , and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am attaching  XXXX  copies of their responses to this complaint along with yet  XXXX  police report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

XXXX  has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed i  n my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.
Thank You
Consumer complaint received 2020-04-19
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. (NJ)

I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted XXXX, XXXX, and Equifax to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.
Consumer complaint received 2020-04-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (CT)

During COVID19 the bank took XXXX dollars from me on an overdraft. We are in a time of crisis and this bank has decided to take the little money we have and say its for overdraft fees. I am a father and husband people rely on me. I want that money back.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paypal Holdings, Inc (CA)

I received a letter from a company XXXX XXXX XXXX XXXX claiming that I owe debt to PayPal, Inc. Account Balance is showing {$130.00} My current balance with PayPal is XXXX dollars and I 've never had any issues with PayPal . At the same time PayPal does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid. 

I 'm not going to respond to them as I believe it 's a scam!
Consumer complaint received 2017-05-20
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. (KS)

I sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX ,  XXXX . I sold it in  XXXX ,  XXXX , in  XXXX ,  XXXX . I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX   Loan  acct taken off my records.
Consumer complaint received 2016-08-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (GA)

In applying for a Home Equity Loan, my bank found a lien on my home from the year 1998. Attached is proof of pay off to companies no longer in existence, but acquired by other companies. XXXX XXXX as shown in attachments was paid {$71000.00} on XXXX. That lien was never released ; security deed is at court house in XXXX XXXX, XXXX, Georgia. XXXX XXXX XXXX and PNC acquired loans from XXXX XXXX and XXXX has investigated and has sent me a letter and per a phone call, that PNC has second part of portfolio from XXXX XXXX, Quote from their letter " We encourage you reach out to PNC who acquired the second batch of loans from XXXX XXXX as my loan was not part of the ones they acquired in first batch. Attached documents should show my stated information. XXXX XXXX
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (CA)

AMCOL SYSTEMS INC is reporting a paid medical collection on my XXXX {$0.00} balance. And they have a balance of {$260.00} on my XXXX. They are false reporting on my credit report. I need them to delete this collection off the 3 credit bureaus they are violating the fair credit reporting act.
Consumer complaint received 2016-11-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KY)

Navient is ( 1 ) Over-estimating the amount they allege I owe them. 
( 2 ) Charges me illegal interest rates. 
( 3 ) Unresponsive to my requests for information and assistance. 
( 4 ) Discriminating against customers on the basis of race, gender, XXXX, and sexual orientation ( 5 ) Violating state and federal consumer-protection laws in the administration of its student loan account and billing practices in the above-named ways and by numerous other patterns and practices.
Consumer complaint received 2017-05-20
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. (MD)

Experian has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed in my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton  611 ( 5 ) ( A ) of the FCRA - t hey are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.     Thank You
Consumer complaint received 2016-03-06
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CORELOGIC INC (IN)

XXXX PULLED MY CREDIT WITHOUT PERMISSION AND IS UNLAWFULLY REPRTING THIS ACCOUNT ON MY WIFES CREDIT REPORTS IN VIOLATION OF FCRA, FDCPA AND DODD-FRANK ACT.
Consumer complaint received 2020-10-06
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. (FL)

THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

My original complaint against this collection agency was : #  XXXX  The collections company agreed to remove from my credit report and withdraw all claims against me.     When I go into the credit report on  XXXX , it was removed, but now it is back. This should be deleted from their records and removed.     Can you follow up with :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  So they actually do what they agreed to do. This is still showing up on my credit report and they agreed to remove it in the original claim f rom Consumer Finance la st month. They have n't done what they told you they would do.     Thank you  XXXX   XXXX
Consumer complaint received 2016-05-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (CA)

I 've been getting debt collection phone calls for a person named " XXXX XXXX '' for at least 6 months now. That is not me and I have no debt/credit issues. They keep changing their number and I keep blocking them. Today they gave me some info. They said they are from " Pioneer XXXX Recovery '' and their number is XXXX. They said to use the " Reference ID # XXXX. ''
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CarMax, Inc. (GA)

CFR Violations This correspondence is in regard to violations of Coded Federal regulations committed by CARMAX. I, XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as stripping my comfort and jeopardizing my security. It is inconsolable to learn that CARMAX does not operate with integrity. 

This correspondence is also in regard to adverse action committed in XX/XX/XXXX. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ).

These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspiracy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both.
Consumer complaint received 2015-07-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NC)

I had an insurance claim at my house about 2 months ago. The insurance check was made payable to the bank because I had a mortgage on my house. The job is complete and the bank has not released the money so I can pay the workers who repaired my house. They say it was being sent, but then there was a " batch error '' so they had to stop payment on it, but it should go out tomorrow. I wait two days and still no check, so I call back. This time it had n't been sent because the stop payment had not cleared, I would think that if the bank made a mistake, they should be able to fix it. Please find out why they are keeping my money. My name is XXXX XXXX, the bank is PNC, my claim number is XXXX. I have been dealing with XXXX XXXX with the PNC branch in XXXX, NC. My address is XXXX XXXX XXXX. XXXX, NC XXXX. My phone number is XXXX. Thank youXXXX XXXX
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: LEXISNEXIS (CA)

First let me clarify that my complaints are to the " consumer file reporting agencies '' .I had no idea that these data miners existed. I thought it was just the big XXXX Credit Monitoring Agencies. I may have not listed my complaint in the right catagory because Im not exactly sure what LexisNexis, larity ( and the others ) are reporting on me. The reason why I was denied a loan from XXXX is listed below ( allegedly ). Having to do XXXX separate complaints is time consuming so Im using the same complaint but submitted it 4 times to the XXXX companies listed I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX, XXXX, XXXX and LexisNexis. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, LexisNexis, XXXX, and XXXX. My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

Account was charged XX/XX/2022, for fraudulent transactions in the amounts of {$10.00} and {$2800.00}. We called to report the fraudulent charges. Citibank cancelled the card and issued a credit for the charges. However, when they transferred the balances on our old card to the new card, they added the XXXX charges ( {$10.00} and {$2800.00} ) to the new card. When I asked them why there was not a provisional credit for those amounts pending determination of the validity of the charge ( my understanding of the regulation ). 

They ( including a supervisor ) said that they do not make provisional credits. The only time there would be a credit would be if their investigation determined that the charge was fraudulent. Again, this is contrary to my understanding of the treatment of disputes and I told them I would be contacting CFPB.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (WV)

I have been making payments to Navient faithfully out of my checking account and my entire tax return was taken for student loan repayment. However, I had called multiple times to see WHY this was going to happen and they said that at one point I ahd defaulted. I am currently on government assistance, with XXXX children working a full time job and they will not lower my interest rate, and take almost XXXX
Consumer complaint received 2016-06-14
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION (VA)

In 2007, I applied for a reverse mortgage loan secured by my personal residence from XXXX XXXX Bank, who has since merged with M & T Bank. The purpose of the loan was to cover catastrophic healthcare medical costs for my daughter, who had a XXXX that make me incurred in medical expenses in excess of {$9000.00} a month. 
After being told that I was approved, I executed multiple loan documents that the Bank communicated were to document the reverse mortgage loan. In reality, the Bank has instead given me a commercial line of credit that was made to look similar to a reverse mortgage and that allowed them to draw on such line of credit and have agents of the Bank invest on the drawn funds. The funds so invested were wiped out and the loan fell into default. 
The original Loan amount was {>= $1,000,000} and the Initial draw 's monthly amount was {$10000.00}. From this amount {$6500.00} was used to pay first the interest on the mortgage, and I would receive the remaining {$3500.00} The Bank has now threatened to initiate foreclosure actions against me for defaulting on a loan that was doomed to fail from the very beginning. I relied on the Bank representations that they were going to invest the loan proceeds and that through their financial savvy I was going to have income for life. 
I did not have the capacity to understand the complex commercial transaction that the Bank induced me to sign. The commercial line of credit that they induced me to sign for allowed the Bank to invest all of the loan proceeds in the stock market ; and to my detriment, they lost more than {$400000.00}.