davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-11
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)

Due to permanent XXXX, my fully guaranteed student loan was paid in full and discharged. I am on XXXX. Yet, credit scores from XXXX agencies have not changed. XXXX was my loan provider until they changed it to Navient a couple of years ago. As the loan was fully guaranteed and paid in full, my credit score should have improved substantially. So the problem is with the credit reporting agencies and the way Navient reported the payoff.
Consumer complaint received 2017-02-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I opened a Citibank account XX/XX/XXXX using promo code XXXX, which was supposed to award me {$400.00} by depositing {$15000.00} into the new account within 30 days of opening it. Additionally, I needed to maintain a minimum balance of {$15000.00} for 30 consecutive days after making the deposit. The {$400.00} bonus was to be credited within 90 days after meeting the requirement. I met the requirement on XX/XX/XXXX, thus the money should have been credited on XX/XX/XXXX. I reached out to Citibank on XX/XX/XXXX and they opened an investigation which was supposed to be resolved in 7 days. When I contacted them back, I was told that the investigation could actually take 30 days. After waiting more than 30 days, I reached out once more on XX/XX/XXXX ; the rep told me that the case was still open and she was going to escalate it. After waiting more than a month, I do n't feel Citi is giving my case the attention it deserves as I have not received any communication from them alerting me of updates.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MA)

This complaint is more information for the one I mailed with submission number XXXX. I am attaching proof that my old employer, XXXX, paid the balance on the corporate card. The account is closed and has no balance. This was a corporate expense and does not belong on my personal credit report. Citi should remove it.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

I was contacted by XXXX XX/XX/2015. I was promised a web site that would generate me a residual income monthly. Since doing business with this company I have not received any services. Also this company will no longer answer the phone or is responsive to emails that I have sent. The company is an absolute scam!
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MS)

I do not have a credit report on the credit bureau. I do not have a credit score and I have a mortgage that is not listed on my credit report, but is on my son 's. My house was purchased in XXXX and his house was n't purchased until XXXX.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MO)

I uploaded a letter to Experian from XXXX and XXXX. The letter stated that an inquiry from them would be removed and it is still on my report. I called and spoke with a supervisor XXXX who refused to removed the inquiry even with the proof that I uploaded. I have uploaded the letter for your review.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (IL)

My realtor and I started working on a short sale and when we called initially they told us there was no auction date and to submit all necessary docs. All of a sudden an Auction date was set for XXXX XXXX and we were not notified, instead they kept asking for more and more updated documents. We submitted a complete package with a willing and able buyer willing to negotiate and they declined our file and stated that the lender denied the offer and was proceeding with the auction. We are in belief that this is not being handled property and that there has to be an opportunity to continue with a short sale since we were told we could. I believe that I am being discriminated against and not being given the assistance/options that the lender has offered. Auction is set for XXXX/XXXX/15 and looking to postpone so that our file can be reviwed.
Consumer complaint received 2020-10-06
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. (NJ)

I have submitted 4 disputes and I am trying to provide documentation to Equifax and they DO NOT ALLOW me to submit this document. NO ONE SPEAKS ENGLISH and you can not understand one person on the phone. I just want to provide the document so my credit report is accurate and the update is taken care of
Consumer complaint received 2016-10-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (HI)

XXXX made up unecessarily high false visits and charges to purposely run up a high bill to aid the attorney who referred me to him to win a lawsuit. When the attorney dropped the case the XXXX is now trying to put this fraudulent bill on me.
Consumer complaint received 2017-02-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Every few years I keep getting phone calls from a company claiming that I got a payday loan in the state of Texas where I have never lived. I keep providing information and then they will stop and then sell the debt to another junk collector. They contacted me today and threatened me. I have submitted a Ceast and Desist letter several times and I am still being harassed at work and at home.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I am not sure if this is the right category for my complaint. I have recently contacted all XXXX credit bureaus to inquire about my credit score decreasing by XXXX points within a 24 hour period. After speaking to a representative at both XXXX XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain the decline. I pay Equifax {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report to make their decision to increase my limit. My credit score went from XXXX down to XXXX on XXXX and also dropped significantly down to XXXX on Equifax and XXXX on XXXX. Each agency has tried to " speculate '' about what could have " possibly '' happened and none of the scenarios presented are applicable to me. The only change to my credit in a XXXX hour timeframe was the {$250.00} increase which caused my credit utilization to decline significantly. The representative at Equifax indicated I need to go out and use credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from the low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score dropped like a rock. A representative at XXXX told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. She also said I could close the account but that too may negatively impact my score. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and now " XXXX XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for the legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

XXXX XXXX Bank is a Fraudulent account that was setup as a result of id theft. I contacted both XXXX XXXX Bank and Equifax to notify them of that and ask they block it under the FCRA Section 605B and 623 ( a ) ( 6 ). Equifax responded it was deleted from my Equifax report, it however has now reappeared on XXXX and is stopping me from getting a home mortgage.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I explained to credit card company that at the time I XXXX and my wallet got stolen my credit was done aftyer that day they open phones accounts water all kinds of stuff and I not able to fix cause every body thjat I try to talk to acts like XXXX
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

I currently have a mortgage with Seterus, Inc., they are charging me a property inspection fee of {$15.00} every month that I just recently found out about. I do not know if this is legal this was not a practice that my previous mortgage company did which was citimortgage who sold my mortgage to Seterus. On my payoff quote it states that I owe {$690.00} in previous property inspection charges. This concerns me because I am towards the end of my mortgage payments. I have also requested an escrow analysis XXXX over the phone with Seterus , Inc. over the past 6 months and I still have not received one. They have no email address so I ca n't email them requesting one and they do not answer letters sent to their PO Box . What are my options in handling this matter?
Consumer complaint received 2015-10-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

CBE Group has called my work number on several occasions after I repeatedly requested them to cease calling my work telephone number. On XXXX/XXXX/2015 I verbally told them to not call me at my work number on XXXX/XXXX/15 I received XXXX phone calls from them at my work, and on XXXX/XXXX/15 I received another call from them at my work number. Each time I requested them to stop calling my work phone number.
Consumer complaint received 2017-02-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Northland Group Inc (MD)

The Northland Group Inc XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # XXXX
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: LJ Ross Associates (IL)

I have been getting these collection letters from an agency called L.J. Ross and Associates in XXXX these letters have charges up to I believe XXXX dollars on them they say from a light bill which I know is not true because my light bill is current and paid on time monthly and I know a light bill company would never let anyone get a bill that high without cancelling the service. I dont have a contract or recall ever dealing with this collection agency and would like to know why are they sending me bills that dont belong to me or I believe they have the wrong person.
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Brock & Scott, PLLC (TN)

this debt collector was transferred the alleged debt the previous debt collector never verified or validated regarding the old account the CFPB is investigating the Case Number isXXXXXXXX and Case Number XXXX.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MO)

We 're a small, man/wife XXXX corporation. We have been working diligently to rid ourselves of business debt incurred between XX/XX/XXXX-XX/XX/XXXX as a result of the XXXX Recession. Since early XX/XX/XXXX, when signs the worst was over surfaced, and especially during the past XXXX years, we 've been working with a NFP to negotiate lower interest rates to help keep our small business afloat. Recently, after never having failed to pay on time, we discovered after review that we had paid, in principal alone, far more than borrowed on several cards. To prove our findings we did a full accounting using receipt records -- recording all borrowings, payments on principal, interest and other fees. We sent these reports with a one-page cover letter of explanation ( copies are available ) via tracked XXXX Priority Mail to XXXX, XXXX and XXXX XXXX. We have documentation all were received. Only XXXX, XXXX, has bothered to read our material and correspond by phone. ( They advised they 'd look into our concerns and get back to us, although " it might take some time. '' ) From the others we 've received only form letters advising we 're overdue, as they tacked on high interest and late fees. In our cover letters we told each party that due to overpayment and the fact we 're both in our XXXX 's and must still work, we will pay no more. 
Although we have no faith whatsoever in the co-called credit reporting agencies ( calling usually gets you someone in a XXXXworld country who barely speaks XXXX ; writing a certified letter we found is usually ignored ), we trust XXXX XXXX implicitly. When we saw this opportunity to communicate with an organization of which she was a part, we jumped on it. Please let us know if you need more.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (AL)

I requested my payoff on my mortgage with Seterus inc . They will not give me the payoff on my loan. I told them I had sold my house and needed it. They said it would 48 hrs then next time I called them they said it would take 7-10 days. Then I called them again told them it was urgent and needed my payoff and that I was closing in 2 days. They told me this time it would take 3-5 days. I am having a very hard time just getting my payoff.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (FL)

I have been working for the last week to temporarily lift a feeze on my equifax credit report. I called in, and they informed me that I have fax them proof of my current address in the form of a copy of my driver 's license and a bank statement. I faxed them this information twice, and received successful transmission confirmations both times. Yet when I call in, they tell me that they have not received the documents. So it would appear that they are losing my personal information. They are giving me no options to release the freeze over the phone, they only say that I must either fax the information or mail it. I am hesitant to do this, as I am afraid that they will just lose it again. I find it to be absolutely ridiculous that I am unable to release a freeze on my own credit score, and that equifax has misplaced secure documents that I was asked to provide to them.
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TN)

on XXXX XXXX, 2016, discover card services pulled my credit report without my consent. I did not apply for any credit, nor obtain any goods from Discover card services. there is a fraud alert on my credit report and the company failed to verify any information. There are XXXX inquires showing up on my credit report. XXXX and XXXX. Both dated XXXX/XXXX/16. I have not received a letter from the company. I only knew the company pulled my credit report by an alert from all three credit bureaus. This company has engaged in fraud and identity theft.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

Several collection items were reinserted into my Equifax file after being removed previously. Per the FCRA, I was to be notified within 5 days of the reinsertion, but I was not. Since XX/XX/XXXX, I have filed complaints directly with Equifax & through the BBB, but to no avail.
Consumer complaint received 2016-12-27
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: U.S. BANCORP (RI)

I have a {$100.00} Visa gift card I was saving to purchase a new computer model when it became available. I held the card for a few years. When I went to use the card it had {$6.00} dollars available. Well I did not read the fine print about having to register the card and pay an inactivity monthly charge. I was disgusted and felt robbed. The card was used well within the expiration date. I think the consumer should be protected from this thievery. I will never buy another Visa gift card. The consumer should be protected from this type of gift card policies.
Consumer complaint received 2015-08-22
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A. (NE)

I have XXXX auto loan company 's that I want to dispute on my credit, XXXX was thru pnc bank the money was wired and I have the reciept they are showing not paid still and another thru XXXX I paid my loan off and they closed the business but did n't remove it off my credit
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: RGS Financial, Inc. (IN)

I spoke with XXXX XXXX around XXXX Eastern Standard Time on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.
Consumer complaint received 2017-02-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NY)

I purchased a TV from XXXX store on XXXX/XXXX/XXXX for {$2900.00} which was on promotion no interest rate for 24 month and after 24 month period would be 26.99 % apr. I made monthly payments for about 2 years in the amounts of approximately {$100.00} on monthly basis on XXXX website. 
XXXX switched their processing bank to Synchhrony financial processing in XXXX and I had to send remaining payment via regular mail to Synchhrony XXXX. 
I send few remaining payments that Synchhrony did not post toward my account and now Synchhrony is demanding {$3800.00} from me to pay and refusing to settle anything less then for {$3800.00}. 
They are refusing to give me any information, they are treating me as I have never made a single payment for the originally purchased item from XXXX. 
After my numerous of attempts to resolve this issue and account discrepancy they forward my account to a collection agency who is damaging my credit history and demanding and harassing me to pay nothing less then {$3800.00}.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

Every time I apply for insurance Am quoted an astronomical rate due to the fact that lexis nexis is reported inaccurate information.. I've tried to dispute this information with then on several occasions to no avail,
Consumer complaint received 2017-01-26
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NH)

I used Paypal to pay for an online order placed with XXXX on XX/XX/XXXX. I returned XXXX items from that order to the store on XX/XX/XXXX for a total credit of {$210.00}. I also returned other items to the store from other orders on XX/XX/XXXX and saw the credits post to my Paypal account on XX/XX/XXXX. However, the {$210.00} credit still has not posted to my account. XXXX confirmed the return was processed on XX/XX/XXXX. I contacted Paypal via phone on XX/XX/XXXX and they opened a dispute. However, after I submitted the evidence showing the receipt from the store showing the return of {$210.00}, XXXX emails from XXXX indicating the items were returned, and 2 other emails from XXXX stating the credit was processed on XX/XX/XXXX, Paypal closed the claim on XX/XX/XXXX ( which their representative opened on their end with incorrect information ) and did not credit my account or provide any explanation. Thus, I am still owed {$210.00}.
Consumer complaint received 2016-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AFNI INC. (MI)

I 'm not sure what this debt is I know it 's from XXXX XXXX XXXX I had a cellphone with them. I 'm not sure what this debit is for and why it is collections and the first place and it has been in collection for 3 years I do n't think the amount is correct or Accurate. I think I am being over charged for aw service I never used I want proof and how it is this amount. Where is my signature at? Did I agree to this where the terms and fees accepted and explained to me correctly because I do n't think they were and I think I 'm being over charged for a service I never used.