davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

After falling behind on my payments for some time I called in to set up a payment plan I paid a lump sum to bring my account current to that point and then established a payment plan. I have paid the amount agreed upon since then on time, but now Navient is saying that agreement is not in effect and is harassing me, my co borrower and others who I listed as references. They acknowledge the plan but deny its in effect as it 's not tied in to a direct payment plan, but when I set it up the Rep never said it had to be on a direct payment plan. They keep raising my payments, though they do process the payments I send, but then because they keep billing more than the agreed upon amount, hitting me with late fees, and hitting my credit rating hard. I can not even talk to them on the phone as they become belligerent and threatening.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (FL)

Please find attached XXXX dispute letters to XXXX in regard to an account with Barclay 's Bank Delaware for the negative amount of {$1900.00}. In the XXXX report it states that the XXXX XXXX Amount was {$1500.00}. I had never been notified of any sale or transfer of this account with Barclay 's Bank Delaware to a debt collector. I also have no knowledge of how a XXXX amount is {$1500.00} and it states the amount now owed is {$1900.00}. This account stated on the XXXX reports say the account was opened on XX/XX/XXXX but then states last reported was XX/XX/XXXX. However, because I disputed this account it has been reactivated the reporting as XX/XX/XXXX. No reporting had happened for over 2 years on my reports.
Consumer complaint received 2017-01-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (UT)

Attempting to collect on a debt that is not mine. Agency is posting negative information on my credit reports. Disputes with the credit bureaus have not resolved, as the collection agency indicates, to them, that it is a valid account. Contacted the collection agency requesting a copy of the application, the promissory note, and proof of original payment to me ; so far they have ignored me. Collection agency purchased the account from XXXX, another collection agency. Before the negative comments on my credit reports, I 'd never heard of any of these loan sharks.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MS)

Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, XXXX, and Equifax.
Consumer complaint received 2022-11-11
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)

According to the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) ( 1 ) ( A ), before any and all accounts you post you are required by federal law to verify all information in my file through physical verification. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see written confirmation of the consent by way of a contract with my wet-ink signature giving consent to the furnisher to communicate with a corporation outside of their corporate control. Under FCRA 15 U.S.C. 1681a ( o ) ( 5 ) ( A ) ( i ) ( iii ) I demand to see Verifiable Proof you have in my file of the accounts listed below. Your failure to positively verify these accounts will hurt my credibility and my ability to obtain credit. Under the FCRA, 15 U.S.C. 1681i ( 5 ) ( A ( i ) unverified accounts must be deleted 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 

XXXX XXXXXXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 

Please remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2022-04-09
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. (AZ)

I received a copy of my credit report and I have found the following items listed below to be in error : XXXX XXXX XXXX XX/XX/2022 {$29000.00} {$570.00} {$0.00} on XX/XX/2022. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. If there is a billing error, how can a payment be late? As the original creditor, I never authorized or granted permission for this to be reported. But since this is reporting, you need to report the way I state it should be reported. These late payments must be removed. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TX)

I applied for a transfer balance credit line to consolidate my large amount of debt. I was not notified that i was approved, but instead Chase bank made a low payment without my approval to the line of credit they chose. I was not aware of this payment until i received a bill in the mail. I applied because i was trying to reduce my monthly payment while on a financial hardship, not to add another payment to my bills. If i would have been given the option i would have declined this low offer. i do n't apply to credit cards expecting them to make purchases for me. This is fraud and i do n't agree with it.
Consumer complaint received 2022-11-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

My car was repossessed for being late on the car payment by Westlake Services , LLC and Wilshire Consumer Credit , LLC. I have tried to work with the finance company but for some reason, they keep changing what I have to pay in order to get my car back. They sent me an email stating how much my amount is to pay to get my car back. However, when I called to make the payment they stated that I had to pay the total loan off. They are charging me a XXXX  % interest rate on the loan which exceeds the highest rate that can be charged in the state of California which is XXXX  %. This company has been sued for illegal debt-collection tactics on a number of occasions and was ordered to stop this type of loan tactic by the Consumer Federal Protection Bureau ( CFPB ).
Consumer complaint received 2022-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

On XX/XX/XXXX, around XXXX XXXX  an unauthorized transaction of {$1300.00} was transferred from my savings to checking. then a transfer of {$410.00} was transferred from my checking to credit account along with the {$1300.00}. at XXXX XXXX a total of {$1700.00} was withdrawn from my account without my consent or knowledge. A couple of weeks before my bank posted on XXXX that if someone comments under the post using the provided hashtag, they will be entered in a raffle to win money. On XX/XX/XXXX, I received a direct message from an account that I thought was chime bank ( but ended up to be a replica and scam ). I clocked on the link that was provided through a tab and it brought me to a page that looks exactly like the the Chime bank log in. I entered in the requested information believing that I was logging into my Chime account. It asked me for my email, password and last four digits of my social. Later that day, someone went into my account and withdrew the money. I called my bank instantly as soon as I got the notification that they did. I called them on XX/XX/2022 to report this transaction. the people gained access and changed all my information and logged me out of my account. I was unable to log back in due to them changing the information on me. I spoke to many members from guest services and I also spoke to a Supervisor who told me on the phone told me the transaction was flagged and it was a pending transaction ( on XX/XX/XXXX ). Three days later after they said that the transaction went through. 5 days later, when I am finally transferred and able to speak to a person from the dispute department they tell me the transaction went through. They filed my dispute 5 days after the transaction occurred. I Called the bank every day until they made the decision on the account and they are stating that the Transaction was not an error. I was told my transaction was flagged to being told by the dispute department that the transaction was not an error when I called the day it happened and told them I was logged out of my account by someone else and they took my funds. On the bank statement it can show where my last transaction occurred and where the person took my money out. This bank is not secured at all! they should not be aloud to activate as a bank because they do not have security at all!
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

My Citibank Executive XXXX XXXX card has a benefit that reimburses up to {$100.00} for TSA Pre-Check enrollment and renewals. I received my renewal for XX/XX/XXXX from the TSA in XX/XX/XXXX. I charged the fee to my Citibank card and Citibank has not processed the reimbursement. They advised that I could not renew until XXXX XXXX XXXX XXXX XXXX from my last benefit received. That would have required me to wait to renew and be in danger of an expiration. The window to reimburse is unfair and deceptive as it should be known that the TSA solicits renewals at 6-7 months prior to expiration. Also this XXXX XXXX XXXX XXXX XXXX requirement is not published on the Citibank website displayed to consumers considering and applying for the credit card.
Consumer complaint received 2022-04-09
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (MN)

The charge from XXXX / {$700.00} that I do not owe because I do n't have XXXX nor have I ever had XXXX
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (AZ)

Myfedloan sent m y wife a secure message on   XXXX   XXXX   XXXX   letting her know she had until   XXXX   XXXX   XXXX   to re-certify her pay as you earn program. We filed our taxes and re-certified within the 10 day grace period on   XXXX   XXXX   XXXX  . We did the same process this year as we did the year prior that worked fine. We completed the application and gave permission to link to the IRS for our tax documents.  Myfedloans sta ted they never received the financial information because of a broken link with the IRS. Furthermore they said they tried to contact us  two reg arding the incomplete application. Both attempts via regular email, suspiciously not using the secure message system they set up to confirm receipt of important messages. We received the secure message in   XXXX   letting us know we needed to re-certify, and it was n't until yesterday (  X/X/XXXX  ) that we received a secure message stating our new payment would be over {$5000.00}. Our jaws dropped. We called immediately and found out the situation. We went back to   XXXX   downloaded our application from   XXXX   XXXX   and forwarded it a second time to myfedloans with the financial info they said they never got. They have since fixed the pay-as-you earn program for   XXXX  . However, because of their error or your error with the IRS, they are trying to charge us over {$5000.00} on  X/XX/XXXX  ) and they want to capitalize all her unpaid interest. This is nuts.. We did nothing wrong and fedloans is out of control. They are supposed to help civilians with their loans.. not throw the book at us when they have a system error. Additionally, I not only want to deal with the    XXXX   XXXX    high payment &amp; Interest Capitalization, but I need to also confirm all my qualifying payments under both the  PAYE a nd  Public Service PAYE progr am. Then I need to find out why my principle which was paid down to around   XXXX   XXXX   XXXX  was pushed back up to   XXXX   XXXX   XXXX  even before this erroneous interest capitalization occurs/occurred. A  FedLoan rep  told me in her words to not be nit picky about my balance discrepancy when I point that out while trying to resolve the other issues. Seriously?!?!? This has the lawsuit agains t  XXXX  w ritten all over it.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EQUIFAX MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EQUIFAX IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED EQUIFAX MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EQUIFAX TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I RECEIVED THE RESULTS ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE EQUIFAX DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (NC)

I called XXXX and cancelled my service in early XX/XX/XXXX They did not cancel my service until late XX/XX/XXXX when I called because I received another bill. I went with XXXX on XX/XX/XXXX and cancelled the same day With XXXX. I have desputed it with them on several occasions. They have sent to several collection agencies and each time I have proven I did not owe the bill.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I am the CEO and PRESIDENT of XXXX XXXX XXXX XXXX XXXX number XXXX. I'm also a victim of Us bank Corporate Robbery, fraud, and scamming my company LA XXXX XXXX XXXX, Us bank business account XXXX, Routing number XXXX, $ XXXX Capital Funds. I called Us bank Corporate Office to speak to their customer support concerning my Us bank business account XXXX. Us bank said that I never had no Us bank business account XXXX exist at Us bank. This statement by Us bank customer support proves that Us bank Corporate office is misleading. Us bank business account XXXX XXXX attached. Us bank Corporate have taken over and Robbed our XXXX American business Capital which is illegal and criminal.
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NV)

I 've opened a checking account with Chase that I 've had since I was in high school. They 've closed my checking account and chose to end my relationship with them. I asked them why was my checking account closed. Their response was that they could n't give me a reason why and that it was closed due to me being too much of a risk to the bank. They will not tell me what risk I am nor will they give me any information. Everytime I call, I can not ever contact the correct department because they continuously transfer me to a department that tells me they can not assist and that I can not open an account with them. I found out that there was several other checking and saving accounts with them that had some activity on it that was not appropriate. I 've tried notifying this bank several times that I have n't opened these account nor did I do any activity on it that is risky. I have had a few claims but the majority of them were found in my favor which means that they are legit claims. I feel I am being discriminated or penalized for something that is not my responsibility or my actions because of identity theft. It is not fair!
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NM)

I had a R.E.S.P.A. sent out through a third party using certified mail to the servicing company and asked that if they are not the proper person to answer the request that they please forward to the correct party and inform me. I also sent a letter certified mail, informing the Trustee company that I had sent out a qualified R.E.S.P.A. I have not gotten the proper responce with the information that I requested. While I do not wish to avoid settlement of any lawful debt, it is both my duty and right to insure the proper party and the accuracy of the debt. While I was XXXX, I was in good standing with my mortgage. After collecting information from my wife, we were told that I qualified for a loan modification. When I found that the process they were going to use was to first get me in a default status, my wife requested that we just go back to the terms of the original loan. From that point, no matter what I did, the loan was never back in good standings. I am requesting the information because I want to keep my home. The only letter I have received from the company in regards to the R.E.S.P.A. is a letter acknowledging that they have received my request. That was sent to an old address that arrived a month or more after they sent it out in XX/XX/2017 and did not include anything I requested nor was it to the third party address as I requested. I requested that they stop the foreclosure process until this is resolved and they still threaten to foreclose soon. They have ignored my rights under SCRA as an XXXX soldier with this process they have taken to foreclose on my families home.
Consumer complaint received 2022-04-09
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. (TX)

I XXXX XXXX have sent disputes to Equifax on XXXX in regards to collections accounts on my credit report thats still showing due to identity theft I have sent it proper documentation each which is a ftc identity theft report along with social and id they still have yet to remove these collections from credit report despite me sending proper documentation that I am victim of identity theft they arent properly investigating this and should be removed from credit report because I am victim and they have yet to do so and still is on my credit report
Consumer complaint received 2021-08-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX, I requested 3 bank transfers from Bank of America : 1. {$2000.00} wired to my checking acct with XXXX, 2. {$1500.00} transferred to XXXX credit card and 3. {$1700.00} transferred to XXXX credit card. It is my understanding that the funds were released on XX/XX/XXXX, however XXXX credit card did not receive the transfer. On XX/XX/XXXX, the transfer that was sent to XXXX  credit card was endorsed and deposited to XXXX XXXX, as shown in the copy of the check # XXXX issued by BOA to XXXX for requested balance transfer. I have since confirmed with XXXX that they did not receive the funds nor endorse the check and that the check may have been intercepted. According to XXXX, XXXX XXXX is a team leader at BOA. I have sense been asking BOA to cancel the transfer as the transfer is no longer needed. I have been paying on this transfer since XXXX but have not received the funds. Any help in restoring my credit would be extremely helpful. I have had numerous calls with BOA and have not been successful in seeking a resolution.
Consumer complaint received 2016-07-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (FL)

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.