davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: DISCOVER BANK (CT)

I submited a fund transfer from my Discover online checking account to my XXXX bank. The confirmation stated that " Deliver By : XXXX/XXXX/2016 ''. However, the fund became available on XXXX/XXXX/2016. I have check which is returned due to insufficient fund on XXXX/XXXX/2016 in XXXX. If the fund was available on XXXX/XXXX/2016, the check will not be returned. The " Deliver By : XXXX/XXXX/2016 '' is misleading. Also, even if it means the sent date, I believe the fund will deliver to XXXX the next day according to XXXX. So XXXX can credit to my account on XXXX or XXXX.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

Over the years I have begged my student loan lender, Navient, for help with repaying my loans, particularly during times when I was out of work. There was no help, all they kept telling me was that there was nothing they could do. Even if I was a few days late with a payment, I would get multiple calls throughout the day, from early in the morning to late in the evening. The calls and lack of options significantly added to my XXXX levels. I have complained repeatedly that my balance never seems to go down even though I continued to make payments. I would be transferred to different reps who most of the time seemed as if though they were just telling me anything because they could not understand it themselves. I often felt hopeless and hurt. I borrowed {$11000.00} XX/XX/XXXX and now XX/XX/XXXX my balance is still {$9600.00}. I do n't understand and from all of the conversations with customer services asking for clarity, I came to the conclusion that I was not only screwed, but that there was no one with the company that pursued resolve and was genuinely interested in helping me. Learning about this site as a resource brings me some relief and I surely hope all that is just will come out of this terrible situation.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

By opinion no need to complain I was advised its up to creditors to observe alert! Frankly if true in my opinion like your agency another hollow protection claimed to help protect the consumers! Rhetorically, I can not concieve how anyone can accept this and allow it for it goes to the heart of an organizations culture! Please try to make that so called fraud alert meaningful! PS I expect nothing!
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK (FL)

I used XXXX to fill out my 2015 Income Tax. From the beginning, it said 'Starting Free '. At no time during my tax preparation did they tell me I was upgrading to a Basic Status (! XXXX ) or to Deluxe Status ( XXXX ). Then, I get my Discover credit card statement and find a charge of {$29.00}. Site XXXX Ph. XXXX NY. I find this very deceptive and dishonest. They would not even allow me to make a copy of my return before filing. The return was rejected by IRS. Only several days later could I make a copy. 
They should have to ask a person if they want to continue if changing from 'free ' status.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I have disputed balances and payments along with documents mailed and faxed as directed. I mailed my social security card alone with my drivers lincense along with faxing XXXX pages over to all XXXX agencies. Equifax will not removed depts that have been paid, reporting higher use of credit then actually used and also states my age and sex as well as other agency, I paid off my car loan and sent documents that clearly disputed the 24 payments that they keep reporting and using not to raise my credit score lowering each month right now at XXXX, I have paid or disputed every dept on my report over that past year and now they are using the auto loan that was paid in full XXXX/XXXX/XXXX againt me as of XXXX XXXX XXXX.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I am unable to place a temporary credit lift on my frozen credit file online with Equifax.com. I am attaching a screen shot indicating that my credit file can not be referenced on equifax.com. I am also unable to place a temporary credit lift using the Equifax automated phone system. I have tried to contact the Equifax customer service and web support help desk without any luck. I am effectively being forced to call-in on the phone in order to temporarily life my frozen credit file. This is unacceptable.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

I am currently looking to discontinue my payment arrangements with Pro Collect Debt agency regarding my outstanding balance with XXXX Prior to today I did not have any previous issues but this is cause for concern since I do not want any further inconveniences with my credit. I made payment arrangements of {$100.00} due on the XXXX of each month and was contacted today at XXXX am stating my payment was declined due to insufficient funds. I find this concerning because XXXX I work for my financial institution and can verify if a payment was declined for this reason, and I would have also seen a charge of {$29.00} hit my account. My account had sufficient funds to not only cover the amount but also the fee of {$7.00}. After speaking with XXXX or XXXX a payment of {$100.00} was successfully processed. I do not wish to receive further calls stating my payment was declined due to Insufficient funds and was able to speak with the apartment manager XXXX or XXXX regarding the issue of the phone call and my concern for my future payments. She did offer assistance in processing future payments via a Money Order and honoring the current balance of {$790.00}. I find not only a concern that the assigned Account XXXX sped through the last phone call I had with her, but also a concern that when attempting to resolve this matter with a Supervisor, I was transferred multiple times only to receive a busy signal. I also find it discomforting that during a LiveChat session with XXXX XXXX required my full Social Security Number to simply tell me that they can not send me any proof until I have paid the account in full. It is disturbing the lack of customer service debt collectors have. I speak from personal experience in assisting my place of employment as well.
Consumer complaint received 2022-08-25
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TCF NATIONAL BANK (TX)

Gateway Lending is reporting inaccurate and erroneous information regarding a loan that I had with them. Traded in this vehicle and asked for the payoff, the payoff amount was submitted in writing to XXXX XXXX XXXX. After the trade in transaction was completed they reported to the credit bureaus that I owed them over XXXX in arrearage to. In addition to this this company knowingly repossessed the car at one time knowing that it was in an active bankruptcy and that they were breaking federal laws.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I spoke with Equifax on XXXX/XXXX/15 and asked them when the following accounts would be removed from their credit reporting. I was given the dates listed below in XXXX and XXXX of 2015. These dates are all past the 7 year mark and they all should be removed no later than XXXX 2015. I was told my only option was to dispute them which I did. The results are attached. 
Problem : Every time I call Equifax I get different information. 
These removal dates are all incorrect. They should be XXXX 2015. 
Equifax has told me they base the removal date on the DATE OF LAST ACTIVITY. This date is blank on every item listed in the attached report! When I ask what constitutes the date of last activity I get varying answers! I disputed all the accounts below but they only processed some of them. 
As can be seen from the information below Equifax, XXXX and XXXX all are using different dates. Am I to assume these companies are reporting different dates to each credit bureau? This makes no sense. 
Account # Equifax XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 Not Reported DeletedThese dates need to be fixed and the accounts deleted.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MS)

the XXXX items are not minds, they was opens in a name that is similar to minds and when I looked at my credit report I saw them was on it, XXXX have tried a lot of time to get the credit companies to remove them but they keep coming back seeing they are minds ... and I keep asking how did they verifty the items are minds
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

Hello thank you for taking time to review this letter about credit reporting agency. Equifax I pulled my credit to discover a XXXX, XXXX, XXXX score with Equifax , due to hospital bills that should have been processed and paid by the XXXX insurance. This has been reporting error ever month making my credit score delinquent. There is a fee of XXXX and XXXX that should have been processed by the secondary. this was never sent in by the provider until XXXX XXXX. This has been reporting delinquent for sometime. XXXX account for {$100.00} since XX/XX/XXXX that should have never been reported in the first place. please see previously recoded report # XXXX I contacted the vendor XXXX with no success. I am requesting your help with Equifax to report the correct information as well as requesting all of the points that were taken from me in error. 
any assistance that you can provide would be greatly appreciated. 

Thank You
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MA)

I have had my XXXX Credit Card for a very long time. I noticed the Card account and all its positive-payment activity was not being reported on my XXXX Credit Bureau accounts. I have been trying for 12+ months trying to get this issue resolved with XXXX and Equifax ( I started with them ). Attached is the latest volley in which Equifax states that the account is not on my Credit Report ( letter XXXX/XXXX/2016 ) and at the same time XXXX indicates that they ARE reporting to the XXXX credit agencies ( letter dated XXXX/XXXX/16 ). The XXXX parties have cost me a significant amount of lost opportunity by not performing the services they claim to provide ( fraud ). I would like this issue rectified ASAP and it 's great the State has this reporting portal. Nice job.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I went to apply for a home loan and was turned down because of a judgment on my credit report from all XXXX agencies from an apartment complex that is not mine. I have been residing in a home for the past 7 years and this judgment is from 2012. I hired a law firm to do credit clean up six months ago and was assured this would be taken care of, however received a notice in the mail today from Equifax that their investigation concluded that this does belong to me. I am not sure what documentation could have been provided to confirm this but I have signed nothing to this matter at question therefore it must be some kind of fraud. I am having to put my home buying on hold until this is taken care of and I am pretty upset about that and very tempted to file some kind of lawsuit as this is not fair to me. Any assistance you can provide will be greatly appreciated. Thank you.
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Summit Financial Corp. (FL)

I am less than 30 days behind on my payment. I scheduled a payment online several days ago to process on XXXX/XXXX/16. This morning I received an email regarding this matter, however my email and about 10 other emails were attached in the same message. I feel like this is personal information that should not have been shared with multiple parties.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

I obtained my loan in XXXX when I had enough equity in my California home to pay the $ XXXX cost of the XXXX 's program upon graduation. In XX/XX/XXXX the housing market crashed, esp in California and my home was well upside down. No more equity. And not my fault, or rather completely out of my control. And finally, no more home since I had to leave the state for continued employment. Now XXXX/Navient wants me to pay on a loan that 's edging closer to $ XXXX due to interest since XX/XX/XXXX. I simply can not afford it so I keep forbearing and I do n't have much of it left. Is n't there any help for those who lost so much money in the housing crash? Lost everything???
Consumer complaint received 2016-02-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SIMM Associates, Inc. (FL)

I was contacted by SIMM associates regarding a past due balance for a private student loan serviced by XXXX XXXX. I was in contact with XXXX about possible forbearance options as I had recently lost my job. I am not one to miss payments and had a track record of on time payments since XX/XX/XXXX. In conversation with an associate from XXXX ( XXXX XXXX ), on Friday, XXXX XXXX, XXXX, I told XXXX that I would be making a payment directly to XXXX on the XXXX of XXXX XXXX my XXXX paycheck after 5 months of unemployment ). She insisted that I call to make the payment with her instead and I declined. After my interaction with these in incompetent people, why would I give them my bank account information? These people can barely formulate a sentence with proper grammar. On Fri, XXXX XXXX, I contacted XXXX to let them know I would log on to my account and make a payment to get my account to current status. I spoke with a nice lady named XXXX and she also said she has heard terrible stories about XXXX associate interactions. I proceeded to make my payment online with XXXX on XXXX, XXXX and received a confirmation number. XXXX said that if I contact SIMM, to supply them with this number in order to stop receiving phone calls. I contacted XXXX XXXX at XXXX, and supplied her with my confirmation # and requested that the phone calls to my personal phone, as well as my office line ( yes, these people are harassing me at work when I just started a new job 3 weeks ago and am trying to earn a living to pay them!! ) STOP. XXXX informed me that calls may continue through the weekend in order for the system to update. It is now one week later ( XXXX XXXX ) and the calls continue on a daily basis. I paid my debt and do not need to be harassed any longer!! I called SIMM on XXXX, XXXX XXXX and spoke with XXXX XXXX yet again to get nowhere. The excuse this time was that their employees do not check the notes in the system before they make calls. Really? Is n't that the point of a company having a tracking system in the first place?! These people are incompetent and XXXX and they need to be stopped!! We are now at XXXX XXXX and my phone continues to receive voicemails from these people. When will it stop? It 's been 7 days and I highly doubt that a system needs that long to update. If you have a good relationship with your client, communicate with them!!! The lack of communication between XXXX ( the servicer of my loan ) and SIMM Associates is unreal.
Consumer complaint received 2016-04-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (MD)

XX/XX/XXXX, I received in the mail an offer from Discover bank to open a checking account and link direct deposits to receive a welcome bonus of {$300.00}. I submitted the application online using the promotion code and supplied information to fund a new account from an existing checking account with another bank. I noticed after a couple weeks that I did not receive any follow-up communications from Discover nor had my initial deposit been taken from existing checking account to fund this new account. I contacted Discover 's customer service and after researching they realized they had a system error when it came to verifying my name. I was told I could reapply even though it was outside the offer period, but that notes would be included in my profile to give me the welcome bonus once I satisfied the direct deposit requirements. I did satisfy those requirements, and confirmed it with customer service in XX/XX/XXXX, and again in XXXX 2016. I was told by customer service I had completed the requirements and that communication would be sent to their rewards dept to send me the bonus. Last week upon inquiring again the status of this bonus, I was told by their rewards dept that I didnt meet the requirements because I opened the account outside the offer window. This goes in direct contrast to what was explained to me when I resubmitted the application so they could correct their error and again when I confirmed I had satisfied the requirements. Had they told me months ago that they could not honor their offer then I would never have gone through the hassle of setting up a new account and linking my direct deposits.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (TX)

Dear CFPB I 'm extremely disappointed on how Discover conveys information to customers like myself. Neither the monthly statement nor Discover credit card website indicates ANYWHERE the expiring date of the promotional APR rate. I have contacted Discover live chat service last Saturday asking when the promotional rate would expire and where I could find this information. The answers were that promotional rate was already expired on XXXX XXXX and that this information would have been available ONLY in the initial welcome documents. This is unfair and unacceptable in my point of view. All other major credit card companies do explicitly indicate both in the monthly statements and in the website the expiring date informing as such properly the customers to avoid occurring interest charges. Actually the statement ending on XXXX XXXX was still indicating 0 % APR on the balance and there was NO WARNINGS whatsoever that it was the last period at 0 %. I 'm afraid to say that the lack of info seems done by Discover on purpose to have as much as possible customers carrying forward their balance outside the promotional period therefore ( consent me the strong statement ) with a deliberate dishonest attitude by Discover. I asked Discover management to reconsider the interest charged and bring them to XXXX since as a matter of fact no information was provided in the website and in the monthly statements with regard the expiring date of the promotional rate but at the moment there was no concrete action from Discover side except to thank me about the feedback and confirming they are striving to provide an excellent service to their customers. I confirmed to them my disappoint about their suspicious lack of information. 
Regards
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK (VA)

XX/XX/XXXX I completely paid off Discover Card pursuant to an agreement ( attached herein ) from XX/XX/XXXX - XX/XX/XXXX ( as agreed ). Approximately four years later I found out ( in XX/XX/XXXX ) that they filed a judgment against me in XX/XX/XXXX even though I have proof of payment ( see attached copies of checks ). I have been trying to get them to talk to me since XXXX, but to no avail. I have sent by certified mail letters to all of the CRA 's and they failed to remove this debt even though I sent them copies of the checks and agreement. They ( Discover ) refuse to remove the judgment from my credit report ; they can not find my file ; they can not prove I owe the debt. I sent them the agreement and copies of the checks and they have never responded or sent any documentation they have on file to show I owe this debt. Apparently this debt has changed hands several times between debt collectors and they can not show that I have not paid. They did not even have my SS # until I sent it to their representative 3 weeks ago. Still no response. I feel they have violated UDAAP and the FCRA.