davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I was on a repaying option until XXXX 2017. I got a letter asking to call in to get back on it. I did before my XX/XX/XXXX bill was due. I gave them a lot of financial information and they said I no longer qualify. I am not sure why I do n't since I get paid the same and I have the same bills as before. On my payment plan, I paid {$300.00}, the next month off of it they wanted {$330.00}. I paid it so I would n't be late but I do live paycheck to paycheck and if something big was going to happen like if my car stopped working, I would have no money to fix it and then I could n't go to work to have money to pay any bills. Now, they are saying that my bill is {$400.00}. I can not do that. {$300.00} was difficult for me. They have never given me any options or told me what they can do to help. I also do not understand why my payment is going up every month.
Consumer complaint received 2020-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (VA)

I applied for a personal loan on XX/XX/2020. I was approved and Upgrade Inc. wanted additional information to finalize the loan, When I saw the apr, I deleted the email and never finalized the loan. I later got an email a few days after that stated my loan will be deposited into my bank. I notified Upgrade Inc. instantly via phone call and email to cancel the loan and asked who completed the  finalization paperwork since I didn't do it. They apologized and said the loan would be cancelled. The loan was retracted from my bank on XX/XX/XXXX. XX/XX/XXXX, Upgrade tried to retract the loan again, after it'd gone through. XX/XX/XXXX, the XXXX retraction was declined by my bank. I've sent at least XXXX emails between then and now, called at least 8 times and have been assured they will cancel my loan. I have many emails to back up what I'm saying as Upgrade Inc. did apologize after they personally spoke to a rep from my bank. Upgrade has sent my account to collections which is negatively impacted my credit score dropping it by 21 points. I expect Upgrade Inc. to fix this problem ASAP.  Otherwise, I'll pursue legal council. 

XXXX  Link : https : /XXXX XXXX XXXX   XXXX & XXXX & XXXX
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CO)

Hunter Warfield has violated the FDCPA ( Fair Debt Collection Practice Act ) by commenting on unfair practices which is a direct violation with laws put in place by congress and you are violating the law here to protect consumers. According to 15 U.S. Code 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 


They have been reporting alleged account on my credit reports which include interest and fees. Hunter Warfield Has violated the FDCPA along with my consumer rights.
Consumer complaint received 2022-10-03
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. (FL)

XXXX sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the XXXX to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the XXXX due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting agencies.
Consumer complaint received 2017-08-17
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: EQUIFAX, INC. (FL)

They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from XXXX, XXXX, and Equifax Thanks
Consumer complaint received 2017-08-17
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: AFNI INC. (MI)

I have retained new copies of my credit reports, and noticed that Afni did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/2017, I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (ND)

There was a bad check submitted into my US Bank Acct. and now because nobody did their job properly I 'm being held responsible for using it. It was from an XXXX banking service from a XXXX Texas XXXX Bank that opened an account for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was using illegal identity. This was confirmed by the XXXX Police XXXX. in NM. This check for {$2900.00} was deposited through an online banking service. I was notified through the alert system of US Bank that I had {$2900.00} available immediately. I proceeded to use {$1000.00} of it and since I have a limitation on my withdrawals in a days time went to the bank to request more money at the US Bank, XXXX XXXX only to find out that the check was n't any good. Being an out of state check there should have been a hold placed upon it for several days and that was n't done. According to the bank XXXX, XXXX they get many of these checks every day, not my problem. I 've had my account shut down and demands to repay {$970.00}. I do n't feel this is right. Not only did this man do this once, but the next day or the day after he proceeded to try and place another fraudulent check into my account for another {$2300.00}. XXXX caught this one and called the police -- XXXX XXXX XXXX. I spoke to this XXXX and wanted to press charges. Was told I could n't because according to him this man probably lived in XXXX. I 'm being told constantly of the scams that are going on through the internet. I would guess that I receive XXXX scams a days in my spam folder of ATM Cards equaling XXXX of dollars, of money that a person as left after XXXX in my name. Just supply my name, address, phone number and they will contact me with the balance of the information. YEAH RIGHT, AT A COST TO ME OF COURSE. I 'm tired of these XXXX XXXX 's being able to acquire a bank account with false identity. I 'm sick of the fact that US Bank did n't have TIME to properly handle this check appropriately and put a hold on it for several days to make sure the funds were available.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Good morning/evening, On the following date of XX/XX/2018 XXXX XXXX   XXXX filed 2 separate hard inquiries on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I purchased a TV at Amazon, and i used a promotion of 0 % interest for 24 months. As i had 24 months to pay with no interest, i set up an automatic payment thru XXXX XXXX XXXX, to pay a monthly amount until the amount was paid in full. The value of the tv was XXXX on XX/XX/XXXX I voluntarily started sending a monthly amount of XXXX the XXXX of each month, because i had 24 months to pay. By XX/XX/XXXX, i had paid the amount of {$1700.00} plus the remaining balance to pay it off of XXXX= XXXX. My surprise was when i realized that the bank charged me XXXX late fee each month since XX/XX/XXXX, and they charged me interest too, when it was a no interest for 24 months. I spoke to two account managers at XXXX ( XXXX and XXXX ), and they told me that they can only remove a late fee per year. That i had to pay XXXX to pay off the account. I made a payment by phone of the {$200.00}, and then they charged me the same amount back. I told them that i never missed a payment, that i always had the intention to pay, but in my mind i was sending voluntary payments and never thought the bank was charging me late fee for almost 2 and a half years. They did not do much. I dont think it a just practice to pay all those fees when i can prove i was in compliance with my payments to the company, the only thing that was not matching was the due date. I was committed to comply with my obligation with the bank.
Consumer complaint received 2017-08-17
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. (AL)

Equifax is reporting an open collection account/medical bill in the amount of {$57.00}. I disputed the account by asking for validation of the debt from the reporting agency. Instead, I received my dispute results claiming the debt was verified with no proof whatsoever. I then called the collection company to satisfy this debt. The collection agency could NOT find me in their system by name, address, or social. I then called and spoke with a supervisor at Equifax and she had no explanation as to why they falsely claimed to have verified this debt with a collection agency that has no record of me. They are purposely causing harm to my credit and credit score.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (FL)

Good morning/evening, On the following dates of XX/XX/2017 XXXX filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

In late XXXX of XXXX EOS CCA sent a letter regarding a debit owed to XXXX. Upon receipt of this letter I called this company as my only account with XXXX is paid and up to date. My immediate reaction was to request proof of this debt to resolve this issue as when I called XXXX they had no record of this. This took place XXXX XXXX, XXXX. Following that conversation I heard nothing from this company until this week, when I received a letter date XXXX XXXX, XXXX that provided a copy of a bill for service in the amount of XXXX dated XXXX XXXX, XXXX. This bill not only lacked any detail to identify what services were in theory provided, but also was for service that I never lived at or received services at. When I brought this to the attention of XXXX, they said they could do nothing as they had already sold the debt and it did not matter that their error caused this. I spoke with a XXXX XXXX and XXXX XXXX ( XXXX ). I was supposed to receive a call from a XXXX XXXX but have not received a call. When I spoke with EOS CCA. They did provide me with an extensive amount of work to do to correct their error, but their only acknowledgment of the delay was it was how long it took their customer to provide the proof. Additionally, they refused to provide me an accounting of all the people that had access to my PII. When I asked for supervisor in their consumer relations department I was promised someone would call me back, an XXXX XXXX XXXX XXXX XXXX, within 24 hours. This was 3 days ago.
Consumer complaint received 2020-10-07
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. (NY)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2017-08-16
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: WELLS FARGO & COMPANY (CA)

In early to mid XXXX I called Wells Fargo to see if there were any available promotions able to be applied to my account. I was given 0 % interest on purchases for 6 months, and 0 % interest on balance transfers for 15 months with a 4 % of the total balance transfer fee upon transfer. I accepted the promotions to be applied to my account. A few days later I called WF again to set up the balance transfer, but before instigating the balance transfer I verbally confirmed with the representative 3 to 4 times that if I made an approximately {$500.00} purchase, and a {$4000.00} balance transfer, and then paid $ XXXX monthly, that the 6 month 0 % interest balance would be paid off before the 6 month promotion expired and I would subsequently be charged interest. The representative verbally confirmed that the 6 month balance would be paid off, multiple times, which I took to be a verbal contract between me and Wells Fargo Bank. I initiated the balance transfer of {$4000.00}, and was charged the 4 % fee of {$160.00}. I also made a {$490.00} purchase. These charges posted to my account XX/XX/XXXX. These two separate promotional balances were shown on my XX/XX/XXXX statement. I then made a {$400.00} payment which applied on XX/XX/XXXX. Upon reviewing my XX/XX/XXXX statement, I found that the 6 month promotional balance had been reduced by {$26.00} to {$470.00} and the 15 month promotional balance had been reduced by {$370.00} to {$3700.00}. 6.645 % of my {$400.00} payment was applied to my 6 month promotional balance, and 93.355 % of my {$400.00} payment was applied to my 15 month promotional balance. At this rate if I continue to make {$400.00} payments monthly I will not pay off the 6 month promotional balance before the promotion is over, and I will be charged interest. I called Wells Fargo today, XX/XX/XXXXand was escalated to a supervisor and then to XXXX at the Executive Office of Customer Care. I explained my situation to him and informed him that I felt that Wells Fargo was breaching a verbal contract made with me. XXXX informed me that there was nothing he could do, and that if I continued to make the $ XXXX monthly payments I would not pay off the balance and would be charged interest. I asked XXXX to provide me with an explanation of how Wells Fargo applies payments to different promotional balances on the same account, and he either could not or would not provide me with that information. In conclusion, I feel that Wells Fargo Bank is in breach of a verbal contract because I was assured that my 6 month promotional balance would be successfully paid off if I made {$400.00} payments per month, and now that I have reviewed my statement after making a {$400.00} payment I see that I will not be able to pay off the 6 month promotional balance in time to avoid being charged interest.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

I have automatic payments in my account and also banks alerts when my account is below {$50.00}. The cut off time for my Bank is XXXX eastern time after this time if I make a deposit or transfer will be post it on my account the next business day, however Chase bank allows a merchant to post on my account between the XXXX and XXXX to charge insufficient fund fees on the account, we didnt received the alert on the account and not ODP. Today we received an alert from chase bank letting us know that the account was negative with 2 insufficient funds fees, when I called the bank for the bank error, they told me that was not an error and they will not reversed the fees because is a bank policy and is nothing they can do. This not the first time I had issues with chase, sometimes I make the transfer or deposits before XXXX eastern time and they charge me insufficient funds fees, sometimes they reversed but not as a bank error, they said is a courtesy but that not rigth they charge fees to the clients to get some money from us. Even if we do n't get our fees back, I would like an investigation to chase with the consumer accounts, I am pretty sure they following the steps of XXXX XXXX XXXX, charging unfair fees to the clients.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (MD)

I initiated an online PayDay Loan with Castle Pay dba Red Rock Lending in the summer of XX/XX/XXXX. I paid the loan off in XX/XX/XXXX and received a receipt from a New York legal company stating 'above listed account has been paid in full with no further legal obligation as of this date '. But this past XX/XX/XXXX another legal company stated a summons was about to be sent for me to pay off the account. I paid again and received another receipt stating no further legal action would be taken ( but then realized I had paid this account off in XX/XX/XXXX) I called Castle PayDay ( now doing business as Big Picture Loans ) and stated the issue and that I needed final documentation that I had paid my account off and that no further action would be taken. I was told by a supervisor that my account was closed, I requested an email and I have not been sent one as of yet. Basically you pay this company off and they keep coming after you threatening legal action. THIS IS WRONG!
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/2021, I went there for a consumer credit transaction, and due to my knowledge as of the timing of this complaint, Ive realized that this whole transaction was a fraudulent act that was taken against me during this transaction and after this transaction, the dealership which I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. Violated all Acts 1 Act : Title 15 U.S.C. 1605 Due to my knowledge the finance charge covers everything, including premium.. which I was wrongfully made to purchase myself knowing the finance charges covers premium.. also there was cash involved which they made me put a down payment of {$10000.00} plus a sum of {$900.00} for my own premium insurance Act 2 : title 15 U.S.C. 1611 I was given false information throughout this whole transaction Act 3 : 15 U.S.C. 1662 They promoted a down payment which is illegal and unlawful Due to dishonesty in this transaction, I do not know if this company really had an insurance license, because I know its required to sell consumer contracts. So therefore I was also violated for my premium rights, had to pay out of pocket, which were already covered for. Also theyre withholding my receipts; personal property.. after Ive tried to retrieve it from them countless times. Also Act 4 : title 15 usc 1635 they did disclose that I had the right to rescind the contract
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.