davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (GA)

I was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted XXXX, Equifax and XXXX and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS via XXXX XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 
XX/XX/XXXX
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I applied for a free credit report on Experian 's web site and was charged  XXXX  a month instead. This is what the page says : When you order today, you 'll get : Free Experian Credit Report Report Refreshed Every 30 Days on Sign In Toll-Free Support Available 7 Days a Week Experia n Credit Mo nitoring Alerts FREE Completely Free and Easy Experian agreed to refund my current month 's charges, but NOT the charges from the month prior, for which they sent NO email, invoice, or any record that I was being charged. I only discovered it on my credit card statement, which of course reflected the PAST month 's charge. This is a trick. My credit card refunded my money, but I do n't want others to be duped by this unethical practice.
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: AAA Collections (SD)

This company filed a lawsuit, and gained a judgement. Following that they sought a garnishment of my wife 's wages. They never served her with paperwork and have no proof of service as is required by SD codified laws.     http : //sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?  Type=Statute & Statute=21-18-11  They incorrectly served ONLY her place of employment and illegally had more than   XXXX   % of her disposable income taken from her check to the amount of approx. {$700 .00}. This is illegal on more than one  level.
Consumer complaint received 2023-07-26
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. (TX)

This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the charge off accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents to prove that it I who submitted the requests. I requested the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX Balance : {$2200.00}. These accounts are clearly erroneous and misleading and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

Hello, I have been a Federal Government employee for the last 7 years and after paying towards my student loans during this entire time, I recently found out I was not eligible for the  Public Service Loan Forgiveness Program b ecause not all of my loans were Direct loans ( many are  Federal Family Education Loan Program l oans ). I was told years ago that as long as I was paying towards my loans, they would be forgiven after 10 years. I submitted the certification paperwork this year but have not received a response from the Department of Education despite submitting this information months ago.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A. (OH)

payment arrangements were made on time as agreed to between myself a nd PNC, and yet fo r  XXXX ,  XXXX ,  XXXX  of   XXXX   payments were made on time as the letter states fro m PNC  to the CFPB. and  XXXX   XXXX  lied in that letter a few times, first all it was my call to  XXXX   XXXX  office to force  XXXX  to do his job. He now claims I offered to pay {$300.00} in   XXXX   to bring the account up to date. I do n't know where he got that from. The reason for the original complaint was tha t PNC agreed to the payment plan and   XXXX    assued me that there will be no more late pays reported to the Credi t Bureau 's. Yet for  XXXX ,  XXXX ,  XXXX  of   XXXX    XXXX  's letter proves the paymen ts were made on time but he refuses to correct the credit reporting. His actions are wrong and breaks a few credit laws. As I stated many times before make PNC release the recorded phone call and it proves I 'm right.  XXXX  lied plain and simple to me and a federal agency
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (OK)

This payment was received XX/XX/XXXX of 2021. This was a Monday following the weekend of a 28 day month. 
The payment was listed as 30 days past due when it was not 30 days. Typically a payment received on the first day of the month following the weekend is considered on time because the bank is not open Sunday despite the fact that it was not 30 days late as reported. This account and all my accounts have an impeccable payment history is current and should be deleted from my credit file
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I was told that income repayment program was the best for me because it was goes based on my income alone. What I was n't told is that there is a cap and when ur married it includes my wife income now as a result I 'm paying much higher and there nothing I can do about it because if I get out then I pay much higher. On top of that I requested for them to change my auto pay account and they told me that I have to stop auto pay the regular rate with the higher interest then change the account. Even though they can change it via paper request they ca n't via phone even though they already have the account on file. When I requested to speak a  manager I was refused but then they just put me on hold for 15 mins to chan ge a simple thing.
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (OR)

I received a voice-mail from XXXX XXXX at Pioneer Credit Recovery ( XXXX ) on XXXX/XXXX/16 at XXXX In the message she asked me to call her back about a teacher I work with, XXXX, with a reference number. I texted XXXX first to see what it was about and she said this woman had been harassing her and also contacting XXXX 's family members. I do n't know why she called me, but it seems like harassment to contact co-workers about a person 's debt. I did not call XXXX back and blocked the number. I do n't know how she got my name or phone number.
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (OH)

Key Bank absorbed   XXXX   XXXX   XXXX   in  XXXX  of  2016 . At that time I had  XXXX  in my account as I was n't sure how the merger would work out. Apparently there was a mystery charge of  XXXX  to my account ( which I hadn ; t used as I was moving to Ohi o ),  This caused my account to be overdrawn. No notice was sent. When I mentioned this to the bank  officer  at the branch, I was given a run a round and a  XXXX  # to executive customer service. That was a fax number. After several calls I got the right number.  XXXX   XXXX  told me that this charge would be dropped.   I used check and it passed through ( funds were in the account ) but another bounce fee attached. I called the  XXXX   XXXX  again and after another runaround she agreed that the fee would be waived. It never was. As I stopped using the account over this-they continued to assess fees and now they have closed the account and are trying to collect the charges they assessed in error as " money that I owe them ''. Now the last 7 times I have called  XXXX   XXXX  is never in the office or can not come to the phone. Always she is going to call me and she never did. This has been going on since  XXXX   2016 .
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (DC)

I received a quote for a  10/1  ARM in the amount of {$700000.00} at a rate of 3.325 %. A rate lock agreement with this rate was signed. A few days later, I received an email stating the rate would no longer be honored and it was being increased to 3.475 %. The bank stated they had not done their due diligence in determining which types of loan rates I would be eligible for. I had selected the bank for its low rates and the rate should have been honored instead of providing a bait-and-switch once I completed an application and signed a rate lock agreement. No one should be subjected to this type of predatory lending.
Consumer complaint received 2017-04-21
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BB&T CORPORATION (TX)

purchased a car from  XXXX   XXXX , within  72 hrs t he car was taken back twice due to malfunctioning, I told them to keep it and left the keys and stop payment on my down payment ... they are now trying to collect debt stating that the car was n't returned to them or reported to them until the next year ... im been going back and forth with them for quit some time ... I even called them when I left the car in the car lot to let them knw that car was returned due to problems with the car ... I infrm them to go back and look thru their notes from  XXXX  ... there telling me that since they sold the car in an auction then im responsible for what was left over ...  .also both    XXXX   XXXX   and collection agency is trying to collect on this debt
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (IL)

In XXXX 2017, I applied for a XXXX XXXX XXXX card under a special rewards offer. The offer at the time was XXXX points after spending {$5000.00} in the first 3 months. I opened this card in my local Chase branch through a special business relationship manager. Shortly after applying, Chase came out with a new rewards offer for the same card of XXXX points after spending {$5000.00} in the first 3 months. I called Chase to request a match and I received a letter in the mail from a Chase representative that the offer would be matched after completing the {$5000.00} spend. I reached out to Chase earlier this week but the representative saw nothing on my account and did n't know how to fix it.
Consumer complaint received 2023-07-26
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (HI)

I signed up for interest free financing for 18 months. I made all payments on time every month for the minimum payment or more, they prematurely added the {$2000.00} in interest to my approximate {$300.00} balance. Did not allow me to pay the principal, reported me as late, charged me off and in addition to having a lawyer take me to court lowered my available limit to less than  1/4th  of what I had available credit limit with all my Synchrony Bank accounts even if they were in good standing which had no late payments. This is has negatively impacted my life and ability to purchase a home for me and my  XXXX  children.
Consumer complaint received 2017-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

This complaint is further evidence tha t Navient : 1. cre ated obstacles to repayment by providing bad information ( account number change without notification  2. processed payments incorrectly and deceptively NOT on our account 3.  failed to act when we, the borrower, complained Our daughter had a student loan with  Navient.  The original loan was with  XXXX   XXXX , then  XXXX , who turned it over to Navient in  XXXX . We, the parents, were paying the loan dutifully every month. There were no problems until  XXXX  of  XXXX , when Navient notified us of no payment for  XXXX , due  XXXX   XXXX . We researched and found a payment made and cashed by  Navient  on  XXXX / XXXX / XXXX . We called them, and they said that they had no record of this payment. We were instructed to FAX them the proof from our bank, the  XXXX   XXXX   XXXX , so we did on  XXXX   XXXX ,  XXXX .   Then on  XXXX   XXXX ,  XXXX , we discovered the same phenomenon for the  XXXX / XXXX / XXXX  payment, and we were assessed a late fee. We called again. Same story from Navient - no record of any payments since  XXXX . We asked if they had received our  XXXX   XXXX  FAX, and they had but when the agent viewed it, she said that it was unreadable. First I knew of that. So, I resent. By this time, we were very angry as no agent was displaying any helpful attitude. Then I discovered something : the loan number in  Bill Pay at my bank and the loan number on Navient 's paperwork were different. Navient 's began with a  XXXX , and Bill Pay began with a  XXXX . I  explained to the agent, and she said that they never had loan numbers beginning with a  XXXX .   At this point, I called my bank,  XXXX , to ask them for help. By this time, I had spend  six ( 6 )  hours in phone calls ( mostly on hold ) with Navient, spoke with managers there and was basically stonewalled by them. They had my money and were asking for more. The agent at  XXXX  arranged fo r three conference calls, each one for nearly 1 hour to coerce Navient  into agreeing that they had the money. Thanks to the  XXXX   XXXX   XXXX , they could track details and confirmation numbers of receipt.   Also, when we tracked back on the loan number, Navient 's old paperwork to us changed the loan number in  XXXX   XXXX  but without specific notice as such at that time. So, in  Bill Pay for us to Navient, we were always sending to the old loan number beginning with a  XXXX  and Navient  was successfully receiving and debiting our account up until  XXXX   XXXX .   We have now hopefully paid off the loan successfully in total - we only had  one more month on the loan. We would never recommend using Navient  for anything. We are glad to be rid of this horrible company!
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My online account was hacked and a debit card was sent to an unauthorized individual, who in turn used the card to withdraw {$5000.00} from my business checking account. I disputed the transactions with the bank and instead of resolving the issue they just locked my account and closed it.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

Since  XXXX    XXXX   I have been trying to get my free  credit score form Experian. My credit score from   XXXX  is  XXXX . M y credit score  from   XXXX   is  XXXX . But my FICO score is  XXXX . Experian will only provide me with a very truncated credit report and no score. Experian also wants me to pay for  my credit score. I  refuse to pay and Experian provides not alternative.
Consumer complaint received 2017-04-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

XXXX   XXXX , now Navient, are thieves. They are unprofessional, apathetic, and scheming. I have loans with  XXXX   XXXX  from College. Over the last fifteen years, I have been harassed, insulted and beaten down by them. I had a customer service rep tell me to get another job or rent out a room in my house in order to pay my student loan. I am a  XXXX   XXXX   XXXX  and was told that I no longer qualify for student deferment. My most recent statement, my interest rate went up again. How is that legal. I owe double what I borrowed and my interest is now 10 % on  XXXX  loans, and 7 % on my  XXXX . How will I EVER pay it back? How can they keep raising my interest? How is what I have paid hardly touch any balance? They are not willing to work with me, and are unreasonable. How can a single mother, let a lone person, pay with interest loans like this and no other support. How does IBR not qualify for this. It was student loan. I ca n't get anyone to refinance, even though I would have to refinance interest, it 's ridiculous. All I am asking is for them to be reasonable. I owe almost  XXXX  and borrowed less than half that. How will I ever pay it off. All I am asking is for a fair interest rate.     I am so desperate, I tried filing bankruptcy in order to survive,  XXXX   XXXX  wanted my monthly payment which was more than my rent. Private student loans do n't qualify for IBR or deferment, or refinancing, but do n't count as a private loan to file for bankruptcy because it 's a school loan. I am desperate.
Consumer complaint received 2021-01-19
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. (CA)

Theseaccounts werealready deleted from my credit report. Why have you re-inserted theseaccounts back on to my credit report? I went online and read the FCRA, and it stated that if you re-insert an account back onto a consumers credit report, you must notify the consumer of this action within five days of adding the account back onto the report. I never received any notification from your company. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. Know to avoid me hiring an attorney to enforce my rights, Im asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted.
Consumer complaint received 2023-07-26
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. (CT)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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Consumer complaint received 2023-07-26
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. (LA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC (NJ)

This company contacted my employer without my permission. I have a voicemail from them attesting to that. Further, I reside in New Jersey where PD loans are illegal, and loans are capped at % 30. I have paid them over {$5000.00} on {$2300.00} loan much more than 30 %. The company has no right to contact my employer thus sharing my loan information without my permission.