davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

XXXX College XXXX XXXX practiced predatory leading made false claims of 98 % placement rate after graduation and students making over 50,000 a year. They had a a class action lawsuit that paid out in XXXX by Attorneys XXXX XXXX and XXXX XXXX. The school was placed on probation for accreditation and didn't inform student body or alumni. There were student loans taken out that were without signers consent falsely by XXXX College staff. This is deceptive practices and against the Dept of Education rules and policies. This School is now closed as of XXXX due to having numerous fines/ complaints and a XXXX XXXX special about the deceptive behaviors/ false claims/predatory lending practices of this school. I would like my federal student loans discharged due to all the above all accrued due to this For Profit College.
Consumer complaint received 2022-08-06
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. (MO)

This CFPB complaint is a formal notice that the Credit Bureaus have failed to respond in a timely manner to my dispute letter. I previously sent a letter addressed to the Credit Bureaus requesting that they correct the information being reported to my Credit File. And on XX/XX/2022 I sent another letter wondering why did the Credit Bureaus haven't yet responded to the prior letter I sent. The Credit Bureaus informed me to contact the creditors and I have done so. According to FDCPA 809b the Credit Bureaus are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete them now : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} 2. XXXX/DOFED XXXX Balance Owed : {$1300.00} 3. XXXX/DOFED XXXX Balance Owed : {$4000.00} 4. XXXX/DOFED XXXX Balance Owed : {$8600.00} 5. XXXX XXXX XXXX Balance Owed : {$0.00} 6. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX XXXX XXXX Balance Owed : {$0.00} 9. XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc. (NC)

The posted derogatory credit remark for collection by Stellar Recovery Inc. is the same derogatory remark previously removed. The amount billed {$1400.00} originates from identity theft by XXXX XXXX in California used to open a XXXX XXXX account. I previously resolved and removed this derogatory remark using the CFPB complaint site. It appears that the previously resolved debt was trnsffered to another debt collection company despite the previously substantiated identity theft.
Consumer complaint received 2018-02-05
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. (NY)

I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.
Consumer complaint received 2021-02-19
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. (NJ)

I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through XXXX  and and nothing happened. My XXXX XXXXXXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.
Consumer complaint received 2022-08-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc. (MN)

I received an email on XX/XX/2020 stating : " We have been asked to contact you by our client, XXXX XXXX XXXX XXXX, regarding your past due balance with them of {$1100.00}. Their records indicate that your payment has not been received or processed as of the date of this correspondence and therefore is listed with us for collection. '' I have never done business with XXXX XXXX XXXX XXXX. My father, who passed away, apparently purchased a chair from them in the amount of {$1100.00} before he passed. They are now trying to collect this amount of money from me. My father did not have a will nor did he have any assets to pay for this debt. 

They then sent this email : " You are being charged for the Lift Chair you picked up and loaded in your vehicle after your father passed away. This makes you responsible for the debt. They have witnesses and cameras that show you taking possession after your father 's passing. '' This chair of my father 's was never loaded into my vehicle. I am not in possession of this chair. I feel they are trying to bully me or extort this money from me. 

According to the FTC, the nation 's consumer protection agency, family members typically are not obligated to pay the debts of a deceased relative from their own assets. 

I want this company and this person to stop harassing me. 
XXXX XXXX Claims Agent Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : XXXX
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MO)

I did not authorize Paypal/synb to check my credit. 
XXXX XXXX that they had inquired my credit. I did not apply or buy anything.
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Center, LLC (CT)

I had a XXXX  performed at XXXX XXXX on XX/XX/XXXX with a short office visit prior to receive prep instructions.. To date I have received the following bills from XXXX XXXX for it : 1 ) {$67.00} dated XX/XX/XXXX : This is now 74 days past due and the hospital was notified in writing that I was delaying payment while the amount was under appeal with Medicare. 

2. {$120.00} dated XX/XX/XXXX which contained 2 charges : the {$67.00} mentioned above and a new charge of {$54.00}- which I PAID by a check that cleared XX/XX/XXXX, but to date this is not reflected in the online bill pay portal. I have repeatedly messaged the Hospital to correct the amount in the bill pay portal but they have not done so, making it impossible for me to pay the amount actually due via the portal without incurring double payment. 

3. {$180.00} on XX/XX/XXXX- which consists of : the {$120.00} above, of which {$54.00} was already paid, i.e. this amount is incorrect. 
{$66.00} in newly billed charges which are not yet overdue I am unable to make payment of the amount I actually owe ( $ XXXX {$54.00} = {$130.00} ) because the online bill portal will accept only {$180.00}. I am out of the US at this time so the online portal is the only means through which I can remit payment. I have repeatedly communicated this to Nuvance to no avail and with no response. 

Meanwhile, despite the fact that no charge is 90 days overdue, the hospital turned this over to a collection agency, Credit Center. Further, they turned over not just the {$67.00} which is overdue, but the amount already paid and the amount just billed on XX/XX/XXXX. From the amount in the collection agency letter it appears there are other charges as well for which I have not yet even been billed. 

According to the Hospital 's Financial Policy Credit And Collection : " it is the Networks policy that accounts not paid within ninety ( 90 ) days will be reviewed for appropriate collection action. This amount, and the amounts below, were not overdue 90 days. '' My complaint is three fold ( your menu made me select just one ) : - Unjustified initiation of a collection action in clear violation of the company 's own policy, with attendant negative consequences to my credit rating. This is my main concern -Double billing for an amount already paid - Failure to adjust the amount in the online bill pay portal to reflect payment already made, making it impossible for me to use that channel for the amounts actually due, despite repeated requests and being informed that I am overseas so can't mail a check, have to use the portal.
Consumer complaint received 2022-12-16
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: LEXISNEXIS (MI)

I filed my complaint and lexisNexis wanted me to send in a copy of my driver license and a bill and I did and I got a letter stating they are unable to verify my identity. I am sending a copy again for the 2nd time. 


I have several fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A. (MD)

I had a refund returned to my card, since XXXX does n't refund back to XXXX. The cashier told me to swipe any card. I swiped my PNC smart access card. A few days later my account was closed, I called a week later ( when I realized ) the rep told me I was contacted to send proof of purchase. Nope, there was no contact from the bank. I later on, took it upon my self to send in the fax and find the number and everything to resolve the issues. I have send the proof of purchase. And still no resolution. I 've called them every other day saying the same thing, no ipdate, we did n't receive the fax, call back again. I 'm now convinced nothing is going to get resolved. Please help. PNC is the worst bank ever.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

CITI Credit card offered me a promotional credit card to transfer balances. I applied and was issued the card. CITI has continued to charge me for returned check fees and other fees when they had the incorrect information on file. I called them at least 6 times, and the last person I spoke to was a horrible person, rude and not the least bit interested in resolving this issue. I have tried to contact them and as I explained, they don't care, and they don't have customer service reps that care. All I want to do is cancel the card, pay the balance minus any promotional fees they charged me for the transfers and returned check fees which there were not any. 

I don ; 't want this to affect my crfedit score, which has been excellent for many years, and I hope that CITY pays more attention to their customers. I have had other credit cards for manby years and have never dealt with a company so bad as CITI
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (GA)

On XX/XX/2020 I was charged fraudulently by a fake company XXXX, online in the amount of {$42.00}. Citibank did not investigate the matter and when I called them to inquire about it, they misled me and told me it was still being investigated when they had closed the case and I couldn't get my money back. 

On a second occasion of XXXX XX/XX/2020, I reported Best Buy had charged my account for something I didn't have and a purchase I didn't make that came to a total of {$69.00}. They lie about giving customers their provisional credit and fail to investigate the matter. 

Citibank is federally insured and they make money off the customers with their money in that bank. Individuals don't have their money secured by an institution who is just money hungry to get customers money. What good are they as a bank to do this. They falsify information and mislead customers. 

I have been with this bank for about 14 years for them to be doing this now. They are lazy or either incompetent to do something like this.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (WA)

I applied for a Synchrony Carecredit account and was approved in XXXX of this year. I was told in all advertising and promotional materials I have received from the company that the card was accepted " at over 225,000 enrolled healthcare provider and health-focused retail locations across the country '' which why I applied for it. I just found out today, XX/XX/2020, that my card is only accepted at dental providers. I didn't know this, nor was I told this when applying for the card. This is also a complete contradiction of all promotional and advertising materials I have received and seen from the company. I am told I have to apply for another card that will function as advertised.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MI)

I opened sears credit card on XX/XX/XXXX and was given a credit limit of XXXX.On XX/XX/XXXX, sears reduced my limit from XXXX to XXXX without any warning and no good reason.My credit score was under 600 when I applied and I do have a bankruptcy on my credit file currently and when I applied for credit.Because of this reduction in credit, It has hurt my credit score and credit overall.When I received the letter from sears it states under PLEASE NOTE '' the reporting agency played no part in our decision and is unable to supply the specific reasons why we have reduced your credit limit '' .Prior to this letter and in XX/XX/XXXX, I disputed a sears auto charge regarding some work they did on my vehicle that wasn't needed.I was reimbursed by sears for the charge after a long dispute and letters with sears credit.This has hurt my credit score and my credit overall.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I found an old check send it to me from Citibank dated XX/XX/2013, there is not phone number on the check only an address and I have tried to get the phone number of this bank without success. I need to get this check to reissue and send it to my address.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

spoke with Equifax on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on Equifiax and Transunion XXXX Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX
Consumer complaint received 2018-02-05
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: DIRECMANAGEMENT, INC. (AL)

To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX  and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUN LOAN COMPANY INC. (IL)

On XX/XX/19 I notified them in writing and faxed it to them that they can not call my work phone number- I am not allowed personal calls and I am also laid off of work and can not receive phone calls there. I also sent them in writing a letter from my references that they want to be taken off of the list and they are not to be called in regards to this debt. The letter was signed by the references. They continued to call. I then mailed the letter again to their address XX/XX/19. They just called my ex place of unemployment and also called a reference that notified them in writing that they are not to be contacted.
Consumer complaint received 2022-10-04
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX is reporting to three credit bureaus XXXX, XXXX, and Equifax that I owe them a balance of {$590.00} the car was paid off. XX/XX/2018 ( 4 yrs, 7 mos The account was opened XXXX XXXX and XXXX XXXX paid the car off. The car was totaled. The car was paid off in full by XXXX XXXX. There saying Im three years late on payments. XXXX took it off my credit report. They refuse to show where the car was paid off by XXXX XXXX. The {$590.00} they say I owe is fraudulent and not accurate. Theyre trying to take money that I dont owe and wrongfully reporting it to the credit bureaus. Ive never made a late payment. The impact this account is having on my credit report is tremendous is a negative way. I need intervention to remove this from credit report.