davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: ID Analytics, Inc. (FL)

I disputed with SageStream ( XXXX 2016 ) inaccurate addresses, phones, and account information that they are telling the major credit bureaus. As of today, SageStream has not investigated and responded within the 30 days allowed. SageStream caused me to be denied credit at XXXX XXXX to purchase a phone for the XXXX holiday for my child because of all of the inaccuate addresses, phone numbers and credit transactions. They put a security freeze on my account instead.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I was charged a $ XXXX late fees on a monthly basis after I enrolled in auto-pay with Macy 's credit card, which totalled {$230.00} plus {$10.00} interest for this year alone. I authorized the auto withdrawal from my checking account on XXXX/XXXX/XXXX when the billing due date was XXXX each month. Macy 's changed it to XXXX without my knowledge and started to charge late fees since XXXX until now based on the two days difference. I did n't notice this until receiveing the current statement yesterday, XXXX/XXXX/XXXX, and called Macy 's, and was only given a {$19.00} refund. When I set up this auto-pay, the due date and withdrawal date was arranged between Macy 's and my bank. I have no hand in the process. I do n't understand why Macy 's changed their due date but persisted on the original withdrawal date so as to create a gap for late fees and allowed it to continue for almost a year? I have more than XXXX other auto-pay arrangements with other businesses, but none of others ever charged me a late fee for any excuses. I believe I deserve a full refund of the {$250.00} charges for XXXX.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (ME)

We fell behind on our house payment due to me getting sick with XXXX and having to have XXXX and XXXX treatments. I was out of work for over a year. They started foreclosure activity. we tried to do deferments of the loan or modification of the loan, with no luck due to not enough income, and said we were not eligeable for deferment of house payments due to unemployment. We were also told that we could not appeal the decision which the letter from the bank stated we had 30 days to appeal and we tried to appeal 3 days after the letter. We resubmitted our request for modification and was told that when they were reviewing the modification request that all foreclosure activity would stop until they had an answer. 3 days later XXXX XXXX called and said that they were going to proceed with the foreclosure and the sale of the house even while they were making a decision on the modification while it was in review. We still continued to receive letters stating that they would have an answer on the modification by XXXX XXXX. The house had already gone up on forclosure and has been listed on auctions.com I called the lawyer that represent citi XXXX XXXX XXXX and was told that citi has so many different departments and they do not communicate with each other, that our house was on hold for the forclosure sale. Still being listed on XXXX for auction.
Consumer complaint received 2017-05-30
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: Experian Information Solutions Inc. (MI)

I have three tax liens listed on each of my credit reports, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from XX/XX/XXXXshould be taken off my reports, if not all of them. But they still remain on my reports. <P/>I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $ 100+ of their products to do so, and have gotten no where in actually contacting a human to fix this error. <P/>Please assist, thank you. I can share a screen shot from a XXXX report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

ATTENTION CFPB : I would like your attention regarding Equifax 's terrible investigative results. They have not verified my disputed account at all, they have not rpovded me with absolutely any results. I have almost XXXX Mortgage accounts, all in perfect standing, with XXXX XXXX XXXX and equifax could not even tel me which account they verified and how and with what documentation. Again, my caner is that this false and inaccurate account is affecting me negatively and has mixed in with my perfect credit report. I have XXXX accounts and it seems like Equifax has no answer as to what they verified exactly. This is why I am conceived that they gave not investigated my matter. Please check my reinvestigation results and see for yourself that there is no proof, no care and no professionalism in the way in which they handled my investigation regarding a misinformed account begging with XXXX ... It is not professional to report this account which is riddled with wrong information, dates and joint signatures information. I am not associated nor responsible for it, but they need to understand that the remaining accounts are indeed XXXX. A joint account was never signed by me, the others are mine. They can not provide my signature nor can XXXX XXXX XXXX, it need to be deleted immediately. Please see that they do not follow the LAW.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

So XXXX XXXX XXXX XXXX is reporting negatively on my credit report. Got in contact with Equifax and told them that this company is n't to be trusted due to the inconsistency with this account. I filed a complaint with CFPB case number # XXXX against XXXX XXXX XXXX XXXX on XXXX/XXXX/2016 they finally responded on XXXX/XXXX/16 stating that they need a few more days. Today XXXX/XXXX/16 is the 61 day and they have yet to respond. I want this account removed from my credit profile immediately. I do n't have another 60 days for the credit bureau to reinvestigate. Everything that they need will be uploaded with this complaint. If the credit bureau ca n't get this item removed within 15 days of receipt of this complaint I have no other choice but to file litigation against them. 
Per XXXX. Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information 1. Reinvestigation Required - If the completeness or accuracy of any item of information contained in a consumer 's ( applicant 's ) file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (VA)

Over the past couple of month, I have made several purchases of various electronics and other health related items. Discover is/was offering a promotion where they stated that customers would receive a 10 % reward bonus for using their XXXX account when making the purchase with their Discover Card. I was just sent an email today informing me that I would not be receiving this 10 % reward bonus even though it was specifically stated in the terms that it would be awarded. I called their XXXX number and was told that they thought that I purchased gift cards because of the dollar amounts. I did not purchase any gift cards with this promotion. They still refused to award the points and said that I could send them receipts. This seems ridiculous considering that these purchases were from two months ago and some of them have some private information on them, including various medications that my family members are currently on.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK (FL)

In XXXX XXXX, I had a XXXX XXXX. Subsequently, in XXXX XXXX my business failed. I had a large number of credit cards. and all worked-out five year repayment arrangements except my Discover business credit card, on which I subsequently defaulted. I was told that Discover would not work out repayment until it became a " charge-off. '' I am writing to DISPUTE the manner in which XXXX, XXXX and XXXX are reporting the " Charge-Off '' by Discover Card. I have been making payments of {$200.00} per month since XXXX XXXX -- - nearly THREE YEARS. Yet it appears that it is being reported and scored basically the same as if I was making no payments at all during this time period. There is something inherently unfair in the manner in which XXXX, XXXX and XXXX are reporting, and scoring, this debt. The failure by the credit reporting agencies to report my monthly payments, and adjust my credit score to reflect my good faith efforts to repay this debt, is a VIOLATION OF THE FAIR CREDIT REPORTING ACT, as the information which these agencies do choose to utilize is both inaccurate and incomplete under the meaning of FCRA. 

I am being substantially harmed by this greatly inflated negative information on my credit report. In Florida, where I live, credit scores are used by condo associations to EXCLUDE buyers from purchasing condos. I can not find an affordable place to live because of this negative information and its effect on my credit scores. 

I do understand why Discover chooses to report in this manner, as it provides them leverage to attempt to accelerate repayment arrangements. I know this because Discover has contacted me repeatedly to pay more so my credit report will improve. But my making monthly payments for almost three years is not equivalent to a " charge-off '' where the creditor has given-up the expectation of any repayment. And, therefore, XXXX XXXX and XXXX reporting is both inaccurate and incomplete. The {$200.00} monthly payments to Discover Card per my written agreement with Discover Card should be reported the same as monthly payments for any other credit card. Once I began monthly payments, this debt to Discover Card was no longer " charged-off. ''
Consumer complaint received 2016-02-23
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

Ford credit corporation keep on calling me at work for some late payments but they have the wrong person, same name as me but different last name also never have a ford credit or driving a ford car, it was a former employee. Keep telling customer service to remove my name on the list since XXXX of XXXX but they still calling me and I felt like it was an harassment but up to this date XXXX/XXXX/XXXX, they continue calling me. I wanted to file a complaint to Ford credit corporation.
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2017-05-30
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. (MI)

I have  XXXX  tax liens listed on each of my credit reports, dated  XXXX ,  XXXX ,  XXXX . I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from  XXXX  should be taken off my reports, if not all of them. But they still remain on my reports.     I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $  XXXX  of their products to do so, and have gotten no where in actually contacting a human to fix this error.     Please assist, thank you. I can share a screen shot from a  XXXX  report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.
Consumer complaint received 2017-03-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

This relateds to property that once was my primary residence. I left the area for job relocation. I sought a short sale of the Property, given the debt was seriously under the market value. Chase Bank promised through its authorized agents multiple times that a short sale was approved, only to have ultimate closings rejected by Chase. I relied in good faith on such representations to my detriment. I could have taken other actions to mitigate my losses if I had not relied in good faith on Chase 's misrepresentations. I further relied on promises of a deed in lieu of foreclosure. It has been 4 years and no resolution from Chase. Just recently I was informed my identity was stolen. Someone was representing themselves as me through XXXX and attempting to take rental funds. All of this could have been avoided but for Chase 's negligent and fraudulent misrepresentation. I need a deed in lieu of foreclosure.
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (OH)

I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. 
Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

Tax payments were made from my account that included penalty and interest in the amount of {$420.00} without my consent in  XXXX   XXXX . I did not receive a supplemental bill from  XXXX   XXXX  in  XXXX   XXXX , though their system shows that a bill wa  s sent. Suntrust can not disburse amounts without the consent of customer but they did. I requested suntrust to provide proof that a call was made requesting them to disburse funds. Their tax department agreed to provide proof but later denied after few months. My wife has never made a call to Suntrust and now Suntrust claims that somebody did call and they can not provide any proof. I have attempted 7 times to resolve this matter and I have been given a run around. I was promised 4 times in the past that there will be follow up call and a proof will be provided to me, but no one called nor provided an explanation.
<P/>
It defies all logic that I would wait 3 months to make the call to Suntrust a  bout the bill that was received in  XXXX   XXXX , knowing that the bill will attract penalty and interest.
Consumer complaint received 2016-06-25
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (NJ)

I had a few accounts with XXXXnavient that were taken out during my XXXX studies between XXXX I have a few issues, XXXX being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. XXXX being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX-XX/XX/XXXX I went to a for profit school for XXXX. The school lied about their success rates with the students who were actually working. Once done with the schooling I was to start paying my loans back after 6 months. I was never given any licenses except for XXXX. When applying for jobs I was over looked because i had no licenses. I was lied to about getting my pell grants which were supposed to go to my loans to help lower them. In the end it was never applied to the loan amounts. Navient has ruined my credit. I cant go back to school with this loans on my credit.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

They are abusing the people. Im not done with school and im afraid to go back. When i stopped going it was for the XXXX 3 yrs ago. I left oweing almost XXXX and i currently oweing almost XXXX.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I was denied the option to any sort of repayment plan. I had spoke with Navient multiple times about financial hardship, and the only options I had were pay what they wanted or deference. I have also had issues with payments being processed incorrectly.
Consumer complaint received 2016-04-05
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 fell on some hard times and XXXX of my private loans went into default. About a year ago I made an agreement with the company to pay them x amount of dollars a month, keep in mind this sum does not include other student loans that I have. I have made that monthly payment on time for a year now. I recently called the company asking them what I could do in order to consolidate or get out default with these loans. The company 's response was " There is nothing we can do until the loan is full paid off ''. Keep in mind these XXXX loans range from XXXX-XXXX. I make approximately XXXX a year, so how on earth am I ever going to repay these loans with interest accruing and them tacking on late fees each month?!?! I want to work with them, I want to help them regain their money and me feel like I have a repayment plan that is working, not one that I feel it 's hindering both parties. I am willing to work with them, they just flat out refuse to work with me.
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

My Private Student Loan Company Navient will not work with me on making smaller payments. My co-singer filed for bankruptcy and they did not remove him from the loan. I made 24 consecutive payments and tried to take him off and they still wont. He has XXXX and can not help with payments. I tried to tell them how much i could afford each month but they said that was not good enough. They want a payment that is out of my range of income. When I was making the payments they where coming out of my bank account automatically it ended in XXXX. They started calling me and telling me i was late with payments when it was automatically coming out of my bank. Well my payment arrangement ended in XXXX and I did not know that so they started charging me late fees that racked up my payments. They like to talk in terms that I do not understand and are not willing to work with the payments that I an afford.