davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NC)

I have been dealing with this nightmare for 9 months now.   I purchased  XXXX  mattress sets from   XXXX   XXXX  . They say if you do n't like the mattresses there is a full money back guarantee minus {$150.00} for pick up as long as all is handled within 30 days. I returned  XXXX  set to the tune of {$1600.00} and paid the {$150.00} for pick up.   XXXX   XXXX   had just this  XXXX  bed on it ... the other  XXXX  were paid in full at time of purchase. This was  XXXX   XXXX ,  XXXX . Come  XXXX  of  XXXX  I was in a dispute with    XXXX   XXXX  ,  who kept sending me to  XXXX   XXXX . On  XXXX   XXXX ,  XXXX    XXXX   XXXX      sends me a  XXXX  balance with a letter that copies off to  XXXX   XXXX   XXXX  Stop billing. It is now  XXXX   XXXX ,  XXXX  and   XXXX   wo n't stop billing me ... I have a past due balance of  XXXX  that they want to negotiate with me and keep  XXXX  on fees that I did not incur ... I fax them the full package of information every single month. No response ... just a new bill every month.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

We have made payments on time since the origination of our loan. However, every month we receive a late notice and they continue to pile up since  XXXX / XXXX / XXXX . We have documented proof of on time payments from our account to Ditech. When we contact  Ditech  to remediate, they give us a different reason for the issue every time and never fix it. Currently, we " have ''  5 late  payments, and they have marked are credit reports and are attempting to " foreclose ''. We contacted them early on  XXXX / XXXX / XXXX  regarding these errors and they said our account number was causing issues in receiving payment, it is now  XXXX / XXXX / XXXX  and they have not updated our account and have since issued to our credit report that we are in foreclosure. This is fraudulent and illegal, and we have contacted them every month regarding these issues, and still no resolve.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

Hello, I have disputed this account with EQUIFAX several times about my  XXXX  account.  XXXX  sent me a  XXXX  in   XXXX  , cancelling the principal debt amount but they still show a balance on my EQUIFAX credit reporting. Each time they come back to me they saying it is " Verified ''. Like I mentioned above and will provide documents, I have disputed the balance several times.  XXXX  and  XXXX  both have already returned the balance to {$0.00} after sending a copy of my tax form for the year   XXXX   with the  XXXX  included. Once they ( Equifax  )  did not even respond to me but I had not sent anything with  XXXX , but the next time I did and I still did not get a response! This last time I sent the copies off my  XXXX  the copies of my  XXXX  and tracking numbers that correspond with  USPS tracking and the prior dispute letter as well as a new dispute letter demanding they follow thr u with the FCRA - also with mentioning that this was not a request for a  investigation.The  main issue is improper credit reporting from EQUIFAX still allowing   XXXX   to report a balance after sending me a  XXXX  but they did not respond to my last dispute for over 30 days and did not even update my credit file with a " dispute in process '' notitifcation. So this time  that I had the proper documentation that they did not respond to my dispute in 37 days ( more actually )  they updated my credit reporting saying it was still verified! This is AFTER I sent a   XXXX   and all other documents above proving that they had no responded as well as the  XXXX  again! I need help from the CFPB. I ca n't obtain my mortgage with this balance that still remains on my credit file that had been issued a   XXXX   XXXX   for over two years ago ... thank you for your time.     Attached :  XXXX  reference  XXXX  account -Copies of dispute letters and last dispute -Copy of  XXXX  and corresponding  USPS tracking  numbers -Copy of drivers license and Social security card for identification -Copy of EQUIFAX dispute results from over 37 day period of not responding to me initially
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Texas Guaranteed (FL)

I am recently paid off my student loan with Texas Guarantee but my credit report does not show paid in full. It list account is current. There is not a balance I owe so I am not understanding why this has not dropped from my credit report or at least report as closed. Thank you
Consumer complaint received 2021-04-22
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-04-19
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (GA)

In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the   XXXX   XXXX  . In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which were  discharged  ; howeve r, Citimortgage h as continued to assert that the mortgag is a new debt and report it to  XXXX . I have disputed this account for the past 2 years with no success. Also, each time  XXXX  removes the account, it is reinserted a month later. This has caused my  credit score to  go down by  XXXX  points. I have reached out to  Citimortgage as well. They have refused to acknowledge that the mortgage was discharged  and should be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my  hope that your agency can assist in getting this cleared up and my credit score  restored to its previous number of  XXXX .   Thank you in advance.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

Experian.com deceptively enrolled me for a recurring membership, that charged me over {$20.00} a month. I never knowingly signed up for it, and this has left me with a VERY bad impression of Experian 's practices. I 'm surprised this is legal.
Consumer complaint received 2017-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I 've been setting up automatic monthly payments with Navient for years. Every time they set me up on a new monthly payment, I write down the name of the rep an d her ID #. 5 or 6 months later, I get harassed and calls everyday saying im in default and it messed up my credit score. when asked why, they always tell me my monthly charge is wrong and i own X amount more. But I can pay the difference to be in good standing. Well, ive been doing this for yrs! Stil every 5-6 months pases, and I have to start over and deal with them putting me at default and increasing my payments. I mean, i set up auto pay! How can I miss payment amounts on that? giving them the previous rep 's name and # does n't even help. they also blame the person who helped me before, saying they calculated the pay wrong. so, it threw my current acct off. They say they will fix it and remove all my late fees, but it never happened. i 'm getting interest on the late payments and i ca n't even buy a car or house! I actually have to call them again bc as usual, I check my online acct and I still have a default acct even though they take money from me every month. I hate calling them. It 's a waste of my time and they act as im the one to blame. I need to get this fixed asap. It has ruined my life. sometimes I ev en think about committing suicide bc no one will resolve this.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CFS2 Inc. (GA)

Hi,   XXXX   XXXX  fro m CFS2 called  my employer attempting to locate me and was rude and threatening to the person who answered the phone. When they asked for his name and number, he hatefully replied with his name and told them they could look on the caller ID to get his number. He then proceeded to tell my employer that " I would know what this is about ''. My employer came to me to ask if everything was ok and told me to handle my business. My fellow co-workers now know that I am having financial trouble and have bill   collectors after me.
The nice la  dy that answered the phone also sent me an email that reads : "  XXXX , You received a phone call from a gentleman ( not a nice person at a ll ).       XXXX   XXXX , from  CFS2, te l :  XXXX   CFS2 h elps consumers achieve financial recover This was definitely not a new business call. '' Can you please make sure this company does not harass other people at their jobs?     Thank you,  XXXX
Consumer complaint received 2020-04-22
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. (GA)

On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to Equifax and 1 to  XXXX. I did not authorize any such requests. 

Equifax received Inquiries from - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX received an inquiry from - XXXX  XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). 

- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both Equifax and XXXX ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB
Consumer complaint received 2023-01-07
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. (MI)

I am rejecting this response because : this account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

My Nevient loan is paid in full. My studentloan.gov balance and the Dept of dept of edu says I 've paid off my loans years ago and all of a sudden they are pulling money from my pay checks. I have an  XXXX  son. I 'm a single mom. Low income. I have letters from the department of education congratulationing me on paying off my loans. I have a check for over payment on my student loans. Etc. this is outrageous!!
Consumer complaint received 2017-04-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IL)

I had gone on a  XXXX   XXXX   XXXX  vacation back in early  XXXX  of  XXXX . It was a  XXXX  night  XXXX   XXXX   (   XXXX   XXXX   XXXX  departing on  XXXX / XXXX / XXXX  at  XXXX  and returning on  XXXX / XXXX / XXXX   XXXX  with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    ).      During the last  24 hours of my trip I purchased a {$25.00} USD  souvenir from the   XXXX   store. However, after the trip, I received my credit card statement with a charge that was {$2800.00} USD that I had not authorized! I immediately filed a dispute. Since then I have spent countless hours calling both the cruise line and Chase bank, as well as physically going into several  Chase bran ches in both   XXXX   and  XXXX  to try and resolve the issue. Every time I make a phone call, departments continuously make excuses saying " it 's not their departments responsibility '' and would transfer me to the next department. I have continuously asked both the merchant and bank to show me the proof of my signature and neither have been unable to provide any proof of signature!     Now, it has now been over half a year and Chase bank has just recently given me a deadline (  XXXX / XXXX / XXXX  ) to pay my bill. They also have charged me interest on the late payment and are threatening to send this to collections agency. I have continuously tried to dispute this with the result always ending in both merchant and bank unable to provide the proof of my authorization. I really am not sure what else I can do at this point and hiring a lawyer would probably cost me more than the money they are charging me but this is complete fraud for something I never purchased! PLEASE PLEASE PLEASE HELP ME!!!
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (MN)

I am the co-signer on my daughters  Sallie Mae loans. M y daughter stopped making her payment in   XXXX   XXXX   XXXX    . Her loan is currently in default. Since that time I have had several phone conversations with representatives a t Sallie Mae abou t the situation. My daughter has been out of communication with me for over 2 years. I do not know about her work situation or how to contact her. I have provide  Sallie Mae the most current information I h ave on her. In   XXXX   I was told by a  Sallie Mae supervisor that they would use the resources at their disposal to connect with her. I explained that   I could not pay what they were asking as I am already paying another private Student Loan of hers which is {$720.00} per month. I ca n't afford anything more. They needed to find her and figure this out with her. In   XXXX   I spoke with  Sallie Mae agai n and provided an address and phone number for a he place of employment based on her LinkedIn profile. In   XXXX   when I spoke with  Sallie Mae aga in they informed me that they had not tried to find or reach out to her but needed me to pay. I do not understand why with the resources at their disposal they have no accountability to track her down and fit out what her ability to pay is? I was very disappointed that they did nothing with the information I provided them to find her and provided no solution for me. Since this is a  Federal lo an do n't they have an obligation to at the very least provide solutions for the borrow and to do that need to find a way to be in communication with her? It does n't appear to me that they are doing the jobs they are being paid to do. Instead they call me constantly at work, home and on my cell and offer nothing.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

My name is  XXXX   XXXX .   Report number :  XXXX  I had received the credit report and I found out the Experian was missed my credit card record beginning from  XXXX ,  XXXX  till  XXXX ,  XXXX , since I was activated from  XXXX   XXXX   XXXX  card. The Experian gave me the report just shows from  XXXX   XXXX ,  XXXX  till now.   Please e-mail me at  XXXX  XXXX  XXXX  or send it to me at  XXXX   XXXX   XXXX   XXXX ,  XXXX .
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC (NJ)

I applied with   XXXX   XXXX   whom use Corelogic to do background checks however I was denied due to too many tenant cases filed which was rectified by my bankruptcy attorney however with this company they keep reporting incorrect information which is preventing from getting a few apartments that I want. As result can this company be investigated for poor reporting practices ... I am sure I am not the only person whom have been defamed by this company is it possible to file a class action lawsuit?
Consumer complaint received 2020-04-22
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. (TX)

XXXX XXXX XXXX is reporting an unpaid collection account for {$1500.00} on my personal credit report. I contacted them to inquire about the debt and was informed that the charges are somehow related to an apartment rented by my ex-boyfriend, XXXX XXXX XXXX. 

During my conversation with the agent, which would certainly be considered a " communication '' as defined under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692a, I was not given the mini-Miranda as required by the Act. I explained to the agent that I temporarily resided at this apartment with my then boyfriend, but that I had no contractual obligation under the lease. However, the agent refused to accept my dispute for investigation. I then requested validation of the debt ; asking that they provide me with an itemization of the balance being charged and some sort of documentation showing my own contractual liability, such as my signature on the lease. The agent refused to honor my request, told me to call back when I was " ready to pay '' and hung up on me. I've sent a written request for this same validation yet they have continuously refused to provide it, in violation of 15 USC 1692g 809. 

Further, their refusal to adequately investigate my dispute, while continuing to adversely report it to the credit reporting agencies, is a blatant violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and its subsequent amendment, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ). Under these Acts, I have the right to dispute inaccurate information and the data furnisher has an obligation to investigate that dispute. Inaccurate or unverifiable information must be corrected or deleted by the furnisher. XXXX XXXX XXXX continues to refuse me these rights as required by law. 

This is not my debt. This apartment was rented strictly in the name of my ex-boyfriend, XXXX XXXX XXXX. I never signed any lease for this apartment and have no contractual obligation for this debt if it is even legitimately owed ; which still has yet to be determined. 

My attempts to correct XXXX XXXX 's records and restore my credit with regard to this item have been in vain. Research on this collection agency shows that they are not an active member of XXXX XXXX, nor an accredited business with the XXXX, and that their standard XXXX  complaint responses are both dismissive and uncooperative ... so I guess my failed attempts are not surprising. I have also attempted to remedy the situation by filing indirect disputes directly with the credit reporting agencies, themselves. However, XXXX XXXX continues to verify the information as accurately reported without conducting a proper investigation. 

My hope is that the CFPB can assist in getting this resolved before I'm forced to engage legal counsel and pursue this matter through litigation.
Consumer complaint received 2017-04-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

We received a letter saying ou r Chase Private Client accounts w ould be frozen if we did not call their compliance department. Once we called, they wanted information about other banking and brokerage relationships we maintain. They also wanted income information. We called twice. The process was ridiculous. We were unsuccessful in escalating a complaint about the process. We will simply withdraw our money and close the account. Compliance people should not touch customers!