davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623 , subsection (  8  ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection (  7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have 2 account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.
Consumer complaint received 2020-04-20
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: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. REFER TO THE SAME ACCOUNT, XXXX  XXXX-XXXX  # XXXX SHOWING DELETED BY XXXX. PLEASE DELETE THIS IMMEDIATELY FROM YOUR DATABASE. 
PLEASE FOLLOW SUIT AND AMEND ACCOUNTS ON MY CREDIT FILE AS THEY WERE NEVER LATE. PLEASE REFER TO THE PAYMENT HISTORY FOR THE XXXX XXXX  AND THE XXXX XXXX XXXX  ACCOUNTS WHERE THERE ARE NO REPORTED LATE PAYMENT MONTHS. I NEED THESE AMENDED TO SHOW NEVER LATE IMMEDIATELY IN ORDER TO CLOSE MY ESCROW BY XXXX.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I have an Arhaus credit card. The due date is the XXXX of every month. And the automatic payment can ONLY be set on the XXXX of every month. So I made a payment on XX/XX/2022 ( which is a Sunday ), Arhaus claims that my payment was made on XX/XX/2022 ( which is a Monday ) and then charged me a {$40.00} late fee. 

I am attaching a screenshot showing that the payment was made on XX/XX/2022 and the decision to impose the late fee was made on XX/XX/2022 ( although it was posted on XX/XX/2022 ). 

I talked to customer service several times, one associate said she will remove the {$40.00} fee but then she never did. I called back, and another associate said that fee can not be removed, still citing the reason that I made my payment on XXXX. 

I tried to use the online message portal and my message got denied every time. And the associate asked me to send a USPS mail to them and explain the situation. I think it is their tactic to deter people from reporting these unethical late fees.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Other — 
Company: Conn's, Inc. (TX)

I have contacted Conn 's and XXXX that the original delinquent date is incorrect- This account was included in my bankruptcy in XXXX XXXX. My original delinquent date was XXXX XXXX which I will attach supporting documentation from Conn 's investigation if you look in account history XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) - This would make this account over 7 years old- I want it DELETED from my report-
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I 'm having a problem with Citizens Bank and my account again.They have debited my account for {$64.00} for a XXXX overdraft. I had enough money in the account to cover the items and I also credited the account {$1.00}. When I called the XXXX # the bank representative told me to read my account brochure and hung up on me. Please help me -- this bank will take all the money I have out of my account and I have bills to pay.
Consumer complaint received 2022-01-04
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: Nelnet, Inc. (MD)

I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,
Consumer complaint received 2016-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quad Corporation, Inc. (IL)

XXXX at quad Corp. deck collection agency in XXXX Iowa has repeatedly called myself and my husband trying to collect all debts from old hospital bills that have been paid. He usually waits between six and nine months and tries it again. He is been repeatedly told through writing and verbally not to contact my husband at work or on his phone, that he may contact me anytime on my phone. He repeatedly ignores these requests and does as he pleases
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

XXXX XXXX, 2015 I would like to file a complaint against Citi Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by XXXX XXXX ( now XXXX XXXX ) for XXXX % of the loan amount. The interest rate was 5.875. In addition, there was a second mortgage with Citi Mortgage at a rate of 7.5 %. XX/XX/XXXX my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a HAMP because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
Respectfully XXXX
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act 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 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I applied for a modification wit h US Ba nk, and I was denied because it was stated that we needed to be in the home for  one y ear. We have been working with the lender since  XXXX   XXXX ,   XXXX  . During the process, I was sent a package, and began working with a housin g counselor.  At no time was I told I would not qualify for a program because I had not been in the home for a year. We were considering a repayment plan, but the schedule and the new mortgage payment would have been too much to handle. We continued to work with  US B ank, and on  XXXX  we received an acknowledgement letter for the modification request. Again, it is confusing that we would receive an acknowledgement letter regarding a modification when the denial states they could not offer this to us. Since we have moved into this property, we have had water bills that exceeded hundreds of dollars. We had to file a complaint to resolve the last bill of {$700.00}. There has been an increase in expenses due to this unexpected bill, which inevitably was in error. We have not been credited back for the previous amounts that were paid. We continue to fall behind and need some resolution to help us become current with the mortgage
Consumer complaint received 2017-05-11
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

I 'm currently being harassed b y Navient with making payments. I pay on average {$200.00} week ly. And I 'm trying my best to get out of default. They still call me even after applying a payment.     I currently work   XXXX   shift and it 's disturbing my sleep. They have also called me several times on a private number.     I had called them at  XXXX  and I got connected with a representative. I asked them to stop the auto dialing because I work the   XXXX   shift and its been waking me up. It would t ake 24-48 hou rs and I think its ridiculous.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CT)

I have an account with navient that I am not aware how I got with this company. I was not made aware that the company of which navient bought my loan from was taking place. It says that I owe {$31000.00} which can not be true and that my highest balance is {$19000.00}. This company has cheated struggling borrowers out of their rights to lower their payments " through shortcuts and deception. '' I have had several student loans obtained when I went to school at XXXX College in XXXX, CT. It says this loan was opened XXXX XXXX, XXXX. I do not know how this is possible when I XXXX in XXXX XXXX, XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

My insterest rates are so high that I ca n't cover XXXX payment because that XXXX payment is more than XXXX of my paychecks and I only get paid twice a month. I called navient and they do n't want to help me or hear it. I have called them so many times now and ca n't get anywhere. I literally feel at a loss because I do n't know how I 'm going to actually live have to make over a XXXX dollars in XXXX payment. They refuse to decrease the monthly payment. They even told me I do n't qualify for an income based repayment plan.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I have attached proof that i have requested that XXXX XXXX XXXX XXXX provide information to me that this is in fact my debt. I have not received a response. I have contacted them via certified mail. Attached you will find the original letter asking for the debt verification and the certified mail receipt. I would like this information removed from any and all credit bureau agencies.
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IA)

An escrow company submitted XXXX payoff checks to Navient on my behalf. The checks were overnight shipped to the proper address, an employee at that address signed to accept the delivery, and I received confirmation that the package was delivered. The checks cleared the bank on Jume XXXX, but Navient has not applied the amounts to my account. They say that they did not cash the checks, that XXXX XXXX cashed the checks, and that I need to resubmit checks to the proper address and deal with XXXX XXXX to get a refund. I confirmed the address with Navient, sent them the deliver confirmation, sent them copies of the cancelled checks, proving that the checks were addressed at made out to the proper entity. Still, the refuse to resolve the issue and credit my account.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (NY)

I believe a credit card closed due to fraud use was used by Midnight Velvet XXXX XXXX XXXX XXXX, WI XXXX claiming I purchased clothing from them. I never heard of the company until I received a statement claiming I owed XXXX # they gave XXXX XXXX XXXX XXXX. No date of purchase or items listed sizes etc was given as to proof of purchase? I have attempted to contact them to no avail. This is now lowering my credit score and would like you please to look into it.

Thank You PS my first name is mis-spelled
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (FL)

I was called by a debt collector, the name of which I do not recall, but they made it very clear they were calling " on behalf of Discover Card. '' The call began cordial, and after I informed the woman that I did not have the money to pay at this time and asked to be contacted again in XXXX, she asked for the best way to contact me. I gave her my personal email address and permission to contact me. She then asked me to hold for another person to come on the line to verify the information I had provided. 

The other person did not verify anything, rather he persisted in attempting to extort money out of me with questions such as " how are you paying for things if you do n't have any money? '' " How are you paying for housing, a car, your cell phone? '' I explained that I was living in a relative 's condo, driving a relatives car, and using a free phone. He then even went so far as to say, after I had explained again I had no extra money, " why are you not acting in good faith? '' They are hardly financial advisors, so I do n't think they are qualified, especially based on their general tactics, to offer me any financial advice, so the questions were nothing more than an attempt to bully and intimidate. Furthermore, accusing me of not acting in good faith, in nothing short of a condescending tone, is most certainly a bullying tactic. Of course I wish I could pay off all of my debts and move on with my life, but I ca n't. The last thing I need in my life is some person being a XXXX and making me feel about as big as a Pomeranian on a foot stool. That 's not going to inspire me to give them anything, and it also borders on illegal behavior, irresponsible and inappropriate at the least. 

I would have let this go, were it not for one final thing. They informed me they would be reporting back to Discover what I said and ended the call, or so they thought. The line, however, was still going. As I listened I heard them talking about me. They have access to my personal information, and I could hear them joking about me. The manager, or whoever he was, who got on the phone second, had the manners of a pitbull, but I would expect him to have some professionalism and not joke about me after the call was supposed to have ended. Now, I 'm left with the thought that if they 're talking about me after the call, how do I know these individuals with access to my personal information are n't leaving the office and continuing the conversation? I attempted to email Discover directly, but there was no direct contact. Perhaps Discover will be appalled that the company they hired is acting in such an unprofessional way, or perhaps this is what they teach them. I can honestly only think it 's what they teach them, or they have terrible quality control. As I said earlier, I would love to be able to repay my debts, but being treated like this is going to move Discover to the back of the line, and also encourage me to tell anyone who will listen what their standard of professionalism apparently is.
Consumer complaint received 2021-04-22
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: Santander Consumer USA Holdings Inc. (TX)

fcra violations not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX
Consumer complaint received 2017-05-10
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: Experian Information Solutions Inc. (GA)

There is a collection from  XXXX   XXXX  for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX   XXXX   XXXX  reported my account delinquent for more than 30 days. I have proof this is not true and I have made payment according with  XXXX   XXXX   XXXX  Account Agreement ( middle section ) They said my account was delinquent on  XXXX , I have provided statements from  XXXX  through  XXXX  explaining payments made and when my Credit Counseling Program started. According with  XXXX   XXXX   XXXX   XXXX  they sent my first payment on  XXXX   XXXX , paying a partial amount of the past due balance for  XXXX  and the rest was sent on  XXXX   XXXX , covering Past Due Balances.  XXXX  Payment was made also by my  Credit Counseling Program a nd sent on  XXXX   XXXX      Note : Credit Counseling Program made all my payments on the  XXXX  of each month,  XXXX   XXXX   XXXX  did n't process this payments after around 6 days later while other banks receive same payment that same day or the day after. Meaning I was never late and I made my payments within 30 days of billing cycle.     Also, I want you to take under consideration I sent my  XXXX  payment on  XXXX   XXXX  and I paid  XXXX  on  XXXX  before the billing cycle had closed. Resulting on, for  XXXX   XXXX   XXXX  NOT applying that payment to  XXXX  and delaying my future billing payments and accessing higher amounts to pay out next billing cycles.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

XXXX present I have a payee also on the account The bank ( Wells Fargo ) will NOT give me access of ANY kind to my account Have contacted the institution w NO success Payee is not cooperative either I have absolutely no idea the status of my funds Thank you