davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: QC HOLDINGS INC (CO)

I went to quik cash to get a pay day loan. They claim to have contacted me via mail. However I do not recall receiving any letters or emails. 

Before I know it I am being told by a family member that I am being summoned to court. The person who was serving me disclosed the information about the summons to the third party ( a family member ). A few days later the same person left the summons on the family members door step. The person who was trying to serve me apparently tried to give the summons to said family member. The family member refused to take the summons. This in itself is not the proper way to serve someone. 

So apparently quik cash will take you to court, and have you pay the court cost over a $ 300- {$400.00}  payday loan. They will not try to settle with you, or ensure that you received previous letters, or report it to your credit. Quik cash will immediately summons you to court over a small lian and have you pay for it.
Consumer complaint received 2020-04-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME NOR HAVE I AUTHORIZED THESE TRANSACTIONS. BECAUSE OF THESE INACCURATE ACCOUNTS MY CREDIT IS IN A HORRIBLE STATE. I HAVE SOME THINGS THAT I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THESE INACCURATE ACCOUNTS I CAN NOT MOVE FORWARD. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I have contacted Chase bank on several occasions with regards to a billing dispute and Chase has not resolved the problem. The following information applies : 1. On XX/XX/2020 I purchased from XXXX XXXX round trip tickets to New York for a total of {$3300.00} XXXX reference attached invoice ). 

2. On XX/XX/2020 I was charged {$780.00} x 4= {$3100.00} 3. On XX/XX/2020 I was charged {$680.00} x 2 = {$1300.00} 4. Total amount of charges = {$4500.00} 5. On XX/XX/2020 a credit of {$420.00} and {$250.00} was given thus leaving outstanding charges of {$3800.00} I have asked Chase to correct the inaccurate billing charges and Chase continues to respond that charges are valid.
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc. (GA)

I reviewed the amount of the loan on the contract which was approximately {$13000.00}. I purchased the XXXX XXXX XXXX in XX/XX/XXXX from CarMax. I was alerted to look at this because on my credit report which suggested that I had only started making payments in XXXX or the amount of payments made to the vehicle was not accurate as to the date in which I actually opened up the loan. As I continued to look at the loan which was at about a 13 % interest rate, I realized as of to date I made approximately {$19000.00} in payments to the loan. I had 2 deferred payments throughout the entire loan and I wanted to know why am I still making any payments to a loan that was already at 100 % principle paid plus over {$6000.00} in interest at this point. I am trying to understand why Carmax wants me to pay almost {$10000.00} for borrowing {$13000.00}.
Consumer complaint received 2017-10-02
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. (FL)

XXXX XXXX XXXX. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**.  They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is XXXX repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in XXXX correcting the Monthly DUE DATE. XXXX reported to EQUIFAX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite XXXX taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. XXXX 's sister company " XXXX XXXX ''  paid as well. They also posted payments to someone else 's account to add to mess so the $ 15,000+ remained on my report .XXXX reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (IL)

I am required to carry Flood Insurance on my home. Per the 1994 FEMA Reform Act, a copy of which is attached, I am only required to carry a policy for the outstanding principal balance of my loan which is currently {$130000.00}. This is the lesser of the 3 requirements. 

Attached is a copy of my Insurance Dec Page, with coverage for over XXXX. When I requested a reduction of my coverage limits, Citibank required me to carry coverage for XXXX AND withdrew funds from my escrow to pay for this " gap coverage '' Per my conversation with FEMA this is in direct violation of their policy. 

Per my conversation with Citibank Mortgage, they just require additional coverage?? This is unacceptable. This violation has cost me hundred and hundreds of dollars for unnecessary insurance premiums, which also has resulted in my monthly payment to increase hundreds of dollars.
Consumer complaint received 2020-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SAMC Honebee TRS, LLC (LA)

This situation is in regards to the CoVid-19 pandemic that we are all experiencing and trying to get an extension on my mortgage payment. I am currently not working and have applied at several places but no one is interviewing at this time because of the CoVid-19 stay at home order. 
I contacted my mortgage company and explained the situation and they have nothing in place and they were not willing to provide any relief. They did offer a delay for 3 months but the delay would then be a one time balloon payment of all 3 months. I told them that I was not working and if I could make the 3 payments at the end of the 3 month delay, I would not need a delay. I even referred to some of the guidelines that CFPB has posted, along with the information from the XXXX  that has requested that mortgage companies give some relief. They referred to this as a forbearance, by definition, this is not a forbearance. So they were using terms that are misleading and deceptive. 
My mortgage company told me no, that they do not do that and their tactics to get me to the balloon payment was misleading and deceptive. In essence they were lying to me about how it would worked, which I feel was due to the fact that I have quite a bit of equity in my home, They even made the comment, that the pandemic was not their fault, so they should not have to do that. 
The person I talked to at GMFS was named XXXX. 
I even contacted my US Senator 's office to get assistance and they referred me to this site and to file the complaint. 
My contact info is XXXX, XXXX My mortgage company is : GMFS Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX
Consumer complaint received 2017-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have researched and backtracked my loans from XX/XX/XXXX to present. Between XX/XX/XXXX-XX/XX/XXXX I was having a hard time making payments at the amount suggested by XXXX XXXX and Navient. I had a job that was not paying much but I made an effort to be able to pay a certain percentage of my loan. Instead I was told by the service that I had forbearance that I could use to where I did n't have to pay at the time. I do not have any recollection about any one explaining that my loans would still gain interest during these times. I was setup to use all my forbearance and would later, which is now, suffer trying to pay a XXXX/month student loan payment on a XXXX XXXX salary. With all my forbearance unavailable by the time I was XXXX I missed over 100 payments due to hardship. Those missed payments could have been used towards The Public Service Forgiveness Program. Keeping me in forbearance for such along time gained Interest for the Company. Once forbearance was over I started to receive numerous calls from Navient about my outstanding loans. I was also told that my payment would be spread throughout all my loans but that has not happened which some loans have gained not received payments, therefore posted a late payment on my Credit.
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: N26 Inc. (CA)

N26 frozen my account. I can not send funds out, use my card, withdraw, etc. I requested to speak with a supervisor and he stated an account thats under review would only take a few days. Its been more than 4 months now and still no results for an account being under review There is about {$5000.00} in there and I still have no answers. Every time I call in now, I cant even get to a representative.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IA)

I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card in XXXX, XXXX. The credit card terms indicated a {$650.00} phone offer for a {$2000.00} purchase using the XXXX XXXX XXXX credit card in the first XXXX months ( screenshot attached ). I did make {$2000.00} in the first XXXX months ( also attached ), and the phone offer showed up at the bottom of my account summary page as " Take advantage of your XXXX XXXX XXXX XXXX XXXX XXXX Offer ''. But recently when I looked at my account I could not find the Phone offer anymore. 

I contacted Citi customer service and they claimed that in their disclosure it stated that transfer balance, account fee would not be counted as a part of spending, which made my " valid spending '' {$1900.00}, and refuse to credit the reward to me. 

I got really confused. Clearly, the threshold would have been met if the membership fee was counted. Their advertisement was misleading in a way that hided significant information. The lacked clear definition of consumption, therefore, misled me.
Consumer complaint received 2017-10-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (PA)

On Thursday XX/XX/XXXX, I contacted Williams and Fudge in response to a letter I received for my outstanding loan with XXXX University. I spoke with an agent and explained that I could maybe pay {$10.00} per month at which point she offered a settlement for 50 % .The representative called my cellphone on XX/XX/XXXX and my brother answered the phone. My brother stated that he was me but the representative did not do anything to verify this was true other than feed my date of birth and ask for conformation. I believe this is a violation of 3rd party disclosure. I called back and spoke with a supervisor to explain my issues. I was told that I could not settle my account and re enroll. I would need to pay the balance. At that point I explained that I wanted to look at my options to to their violations as well as to see if my loan may have  been affected by the recent lawsuit against the University. I also explained that I am a former member of the military experiencing a hardship but I would refrain from file a complaint against the agency as well as the University if they would accept my offer. He accused me of black mail and said " as a member of the military, you are saying this on a recorded line? '' This statement was made in effort to intimidate me into not filing my complaints as the representative had preconceived notions that I was making false claims in order to get my offer approved. My right to investigate a dispute and well as my right to privacy is protected under the FDCPA. Further more this representative proceeded to over talk me duding most of the conversation. I explained that I am a customer and he should n't speak to me this way. He stated that I am not a customer of the agency. My belief is that although that may be true, they are an extension of the University who needs to treat the customer the same as the University would. I was also told that my offer is ridiculous in his professional opinion. Nobody who has served our country and is experiencing a financial hardship should be told their offer is ridiculous, regardless of the opinion of the agent trying to collect. I am appalled that XXXX University would want someone like this acting on their behalf. I will be looking into my legal options regarding third party disclosure violations, false and misleading statements as well as refusal to acknowledge my option to dispute
Consumer complaint received 2017-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

I just recently reviewed my credit report and it generated this debt collector as someone that I owed money to. I have never done business with or signed a contract with this company. I found that several aspects of the report are actually inaccurate.According to the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to request that this company disclose all of the documents that they have retained in my credit file pertaining to the items listed below that they have under my social security number. Please do not allow them respond by saying that these accounts have been verified without sending me the information used to verify the accounts. This information is inaccurate and need to be investigated. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. Please provide me with the below mention listed things : The amount I.C. Systems claim I owe Explain and show me how they have computed the amount Send me copies of any documents that prove I agreed to pay the alleged amount Identify the original creditor Confirm that the account has not crossed the SOL period Prove that youre a licensed debt collector Show me your license number and registered agent Show that you are allowed to collect within my state Once again, this by law this creditor must have ALL verification documents already in their possession upon receipt of this letter, otherwise these in absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you under my Social Security number. I would like to inform you that in case your agency reported invalidated account information to any of the 3 main Credit Bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
Consumer complaint received 2020-04-24
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: SYNCHRONY FINANCIAL (FL)

My son purchased a motorcycle and I co-signed a loan for him thru Synchrony Bank. He is the account owner and had been making regular payments. The bike was defective and he voluntarily surrendered it to Synchrony Bank. He signed the Voluntary Surrender Form and Synchrony Bank accepted the bike. I contacted Synchrony Bank and they acknowledged they had the form he signed. They indicated that the bike had not yet been transported from where it was located, due to the coronavirus pandemic. They also refused to remove the incorrect information from my credit report. As the bike is now in full possession of Synchrony Bank, which they accepted fully, any other issues pertaining to it, are only between Synchrony Bank and my son, not me. I can not get a job or mortgage unless Synchrony Bank removes the negative and incorrect information from my credit report.
Consumer complaint received 2022-01-05
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. (FL)

XXXX and EQUIFAX- XXXX XXXX XXXX and XXXX inquiries RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
{ dispute_item_and_explanation } under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX, my purse was stolen ( containing money, credit cards, social security card, and driver 's license ). XXXX XXXX I reported that information, and provided police report. I was given a free credit report recently, and in reviewing, I noticed that there are XXXX addresses being reported, that I have never lived at nor have I ever lived in either areas. I have never lived on XXXX XXXX, in XXXX, nor have I lived on XXXX XXXX, in XXXX XXXX. My correct address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( where I have lived for the past 25 years ). Please remove the inaccurate information from my profile. Thank you kindly.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

THESE ACCOUNTS WHICH LETTERS ARE ATTACHED DO NOT HAVE ANY DELINQUENCIES, PLEASE HELP ME TO CORRECT THEM THROUGH BUREAUS AND ALSO FROM CREDITORS, I HAVE ALREADY RECEIVED LETTERS FROM CREDITORS ( HENCE ATTACHED ) THAT THEY HAVE APPROVED OF THESE LETTERS TO BE INACCURATE AND NEED TO BE REMOVED FROM MY CREDIT REPORTING AGENCIES, BUT BUREAUS ARE NOT WILLING TO COOPERATE PLEASE HAVE THEM TO CORRECT THEIR INACCURACIES. 
THANK YOU
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I noticed my amount due never got much lower so I started to review my statements and found a recurring {$95.00} charge on my statements, called XXXX XXXX. 

I immediately called Citibank who directed me to XXXX XXXX division and the agent was very evasive, told me I signed up for it and they would not refund those fees ( which amount to thousands of dollars at this point ). 

She also said she would send me proof that I signed up, which of course I never received because I never signed up for this. 

After doing some digging, I discovered that this exact product/service was part of unfair and deceptive credit card practices that Citibank got sued for and lost in 2015.

If this has been on my account since prior to 2015 ( which it has ) then I should be refunded. 

Thank you for the help, I feel I have been taken advantage of and victimized.
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 360 MORTGAGE GROUP LLC (CA)

I have been in an active review with my lender since XX/XX/XXXX. There was no active foreclosure sale date every set, as I was told proceedings were on hold. The lender requested additional documentation around XX/XX/XXXX to where I then came home to a notice of sale on my front door. I do not understand why there is now an active foreclosure sale date without my lender resolving my issue, or at least providing a decision first. I do not believe they are following guidelines and as a homeowner I have my rights.
Consumer complaint received 2021-03-24
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. (GA)

Equifax refuses to delete an item that has been on my credit for 7 years. XXXX  and XXXX  has already removed this item. I have tried since XX/XX/2021 and I have been hung up on, on hold for long periods of time. They have people that are not knowledgeable of the law and don't have any customers service. As of today XX/XX/2021 I have been on hold for at least 44 minutes as the rep say he's looking into it.