davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP (TN)

Continental Loans in XXXX, TN has continued to contact my mother ( I am XXXX XXXX XXXX ) regarding a loan I have with them. Once they required HER to make a payment, and yesterday XXXX called her and told her all the details regarding my account. From the date opened, to the amount of the loan, to the payments.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Consumer complaint received 2016-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (VT)

I submitted a complaint in XXXX XXXX, case # XXXX after 6 months of unsuccessfully trying to get a clear answer from FedLoan on a repayment issue. XXXX received a response on my behalf at the end of XXXX XXXX. I was not able to access the response online and requested a paper copy. After considering the details provided and researching my own documents, I wanted to dispute the response provided by FedLoan but I have not been able to find a way of doing this online. The aspect that I want clarified is the disparity between the figures FedLoan presented in arguing the case and the figures presented in my original loan repayment agreement, supported by 12 months of direct debits from my bank account. The FedLoan response claims that my repayment in year 1 ( XXXX ) was {$350.00} per month, but their document to me and my bank documents show that the amount was actually {$240.00}. The difference in these baseline figures is what is getting in the way of me understanding all the other calculations made. It suggests that I am not on the repayment plan that FedLoan says I am on - and on which repayment calculations are based. Significantly, I made my decision to consolidate with FedLoan based on the lower figure given to me, not the higher figure stated in the recent dispute. 
As a result of the much increased payments - for which I had not budgeted - I cashed in a small pension to help make the payments which had become difficult because I had to help my XXXX child with her school fees ( without adding to the consolidated loans for my XXXX older children ) and replace household equipment. The impact of that pension cash-in has been to make it look as if my income has increased by {$8000.00} ( even though my actual income increased by only about {$1000.00} ) and so my recalculated payments this year will be even higher. I am in a spiral of increasing poverty with increasing payments and getting further into debt.
Consumer complaint received 2023-01-04
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. (TN)

In accordance with the fair credit reporting act XXXX  account number 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

Ive been a Wells Fargo customer since XXXX. I ve had dbl overdraft fees more than one occasion. Savings fee charges. Then they get rid of contacts us in their app. That how I kept a record every time I had to contact them. Because when you have to call them you have no physical record or proof of getting something fixed or migated.
Consumer complaint received 2016-09-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (TX)

Regarding : # XXXX On XXXX XXXX, I got an email from the Ally escalations desk asking me to call them to resolve the above matter. I called thirteen times and each time was asked to leave a message as there was no one available. The next day, I got an email with another number. I called 7 times and again no ability to talk with the person responsible for resolving the case. This is a check for {$190000.00}, where they are holding my money and I have no access to it. Please help me expedite resolution. It 's taken hours of my time with no results.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TCF NATIONAL BANK (MD)

Sent a letter however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Gateway One '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2017-03-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC (LA)

I had been sending weekly payments to the mortgage company which basically were one quarter of the monthly payment. The mortgage company accepted these for many months, reconciling at the end of each month and applying the funds to the mortgage. This last month they started to send the checks back and requesting a full payment. I would deposit the check and then re-schedule the payment again. After receiving all these payments and returning them, they sent a past due notice with finance charges. Today I receive a notice that they will take action to collect a debt. All the while receiving and returning my funds. 1. They are violating the law regarding no penalty for prepayment, since my weekly payments added up to an amount greater then my monthly payment and 2 ) I am being singled out by someone internally who wants to make a point. Actions to collect funds should be sent to those who default, not a citizen who has been making payments that were previusly accepted to this point.
Consumer complaint received 2022-08-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (FL)

I am former XXXX student, I was informed by XXXX XXXX that most of my loans were discharged. However I discovered there was one loan that was a private loan, I was unaware that I had a private loan. The loan is managed through Navient and I was informed that CFPB had filed suit against Navient to remove any private loans from XXXX students. As I stated previously I was unaware that I had any private loans.
Consumer complaint received 2022-10-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NY)

XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXXXXXXXX/XX/XXXXPayPal CreditXXXX XXXX XXXX, XXXX XXXX : My " Account # XXXXPROBLEM : XXXX : " US Regulator orders PayPal to pay XXXX in refunds, fines '' AN OBSERVATION : This is precisely why The Consumer Financial Protection Bureau ( CFPB ) was so desperately needed in the first place. 

ACTION REQUIRED : 1. Close Account Immediately ( never wanted ). 
2. Repair Credit Rate with XXXX, et. al. 
3. Go forth and sin no more. 

SUMMARY : Now I get it -- an " account '' I never wanted, but suddenly found myself in a XXXX computer-driven billing system that seemingly could not be stopped -- or even clarified. 

The original charge of {$38.00} ( paid by check # XXXX of XX/XX/2015 ) along with a request to cancel -- unacknowledged -- should have ended this farce. No, not a farce, an out and out scam. Predatory plain and simple. 

Be ashamed. You have brought dis '' credit '' and scandal to PayPal and true-credit to the CFPB. 

Rectify and indemnify immediately. 


XXXX XXXX XXXX XXXX : CFPB XXXX Consumer Protection Bureau XXXXState Consumer Protection Bureau XXXX - XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I was in the process of applying for a credit card through XXXX for a XXXX XXXX XXXX. I keep a freeze on my credit report until access is needed. To this end, on XX/XX/XXXX, I attempted to temporarily lift the freeze at XXXX, XXXX and Equifax. I successfully lifted the XXXX and XXXX freezes with no problem. However, I was not able to lift the Equifax freeze & the website prompted me to call XXXX. When I called, I was told it was a problem with the information given, I was asked to respond to a text to send my driver 's license. My information was allegedly updated and I was told to try again, later. I tried numerous times and called the aforementioned number several times. Each time I spoke to a different person and none of them seemed to have the notes from the previous calls. I spent nearly over XXXX hours on the phone and was never told when the problem would be corrected. I was given different complaint numbers and received no phone up calls or email acknowledgement of the calls and complaint. I tried once again to unfreeze my account XX/XX/XXXX and was still unable to lift the freeze and given the same phone number. I established an XX/XX/XXXXand need a credit card forXX/XX/XXXX This has been a barrier. I did receive XXXX different confirmation / case number during my calls : Confirmation # XXXX/ and a case number XXXX from XXXX who said the previous number was an old number. I also spoke to someone named XXXX he gave me his badge numberXX/XX/XXXX ; XXXX XXXX. XXXX. 

I really need to get this sorted out and your help will be greatly appreciated.
Consumer complaint received 2016-03-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (AZ)

I barrowed {$800.00} dollars, they said there would be a one time service fee of {$400.00}. They took out {$2400.00}, and none of that has gone to the loan amount. They recently changed their name from XXXX to BigPicture Loans. The information they sent me this month shows they are charging 758.833 % interest. I had my bank stop the automatic withdrawals. They expect me to pay {$6200.00}.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I have been paying XXXX directly for my bill of {$400.00} and Enhanced Recovery Company is claiming to own my debt. I told XXXX the rep. from Enhanced Recovery Company who called me initially that XXXX have agreed to continue getting paid directly from me for the account and Enhanced Recovery Company can not put it on my credit reports as a debt owed to Enhanced Recovery Company and XXXX said I ca n't pay XXXX I have to pay Enhanced Recovery Company or they will take me to court and I would face criminal charges for this debt. Enhanced Recovery Company went ahead with putting the Debt collection on all XXXX credit reporting agency reports. I called several times and have been hung up on and told to pay them or else they would continue to trash my credit. My credit score have dropped to under XXXX and several of my creditors have closed my accounts due to Enhanced Recovery Company actions of falsely reporting this debt and also continue calling my cell phone and work phone daily
Consumer complaint received 2016-09-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I received a mail offer from big picture loans, I applied with the approval code XXXXXXXXXXXX, and was approved for XXXX right away. a representative called me right away and told me that the loan would total XXXX with interest, when i said I was not interested he told me they could lower the cost to XXXX, I agreed and after a few more questions I received my funds in my bank the next business day. I started making payments of XXXX bi-weekly on XXXX/XXXX/16, decided to check my loan online to see how much more was owed and was shocked. I see that everything the representative have stated was untrue and that my loan of XXXX would end up costing XXXX and would not be paid off for several years. the interest rate of this loan of 574.7076 %. The " truth of lending disclosure was not disclosed to me until after the loan had been processed and funds were delivered to my bank account. I am struggling to pay my bills and XXXX a month out of my paycheck with nothing going towards the original loan is really making it impossible to pay my bills.
Consumer complaint received 2016-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

Recently noticed a debt collection record from ERC ( Enhanced Recovery Corporation ) for XXXX account stated as opened on XX/XX/XXXX. I was not residing in US from XX/XX/XXXX to XX/XX/XXXX. Also I did not got any letter later for account opened in XX/XX/XXXX.
Consumer complaint received 2016-11-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IN)

On XXXX XXXX, 2016 I applied for a loan online, for {$400.00} through Big Picture Loans. After applying and being approved, Big Picture Loans sent me an email with the disclosures that were not available prior to applying. The details state that an APR of 1018.7613 % is being charged, making the total fees {$1800.00} for the loan. To date I have made XXXX payments of {$140.00}, and the principal of my loan is still at {$400.00}. I have paid back {$560.00} as of XXXX/XXXX/2016.
Consumer complaint received 2023-02-23
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. (GA)

15 U.S.C. 1681 section 602 A. states I have privacy!!!!!! 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.
Consumer complaint received 2017-09-26
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)

I have hard inquiries on my Equifax credit report that I did n't authorize or recognized. These are the following hard inquiries XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX ), XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX GA XXXX XXXX XXXX. Also identify theft was played at fault in many of these unauthorized accounts.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have held a Citi Mastercard Credit Card since XXXX, back in XX/XX/XXXX, I signed up for Auto Pay for both the minimum payment plus an additional {$2500.00} to budget my account, I was under the assumption that first Auto Pay in the amount of {$2500.00} would be in XX/XX/XXXX. At the end of XXXX I made an over the phone payment in the amount of {$3000.00}, reviewing my bank statement, I noticed Citi had withdrawn already the {$2500.00} ( Auto-Pay ), so I decided to make a stop payment with my bank for the {$3000.00} - there was no need to credit my credit card account for {$5500.00} since I had met my obligation in the amount of {$230.00} ( monthly Auto Pay ) .. Now, on XXXX XXXX, they notified me that my account was closed due to the fact that I had placed a stop payment on the {$3000.00}. ..I feel it is unfair since I had met my monthly payment obligation per our contract and on top of that an additional payment in the amount of {$2500.00} They have been unwilling to resolve this issue and have been forced to seek Legal Aid.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I was filing for my credit report and they started asking incorrect information about me. It stated I had mortgage loans being open around XXXX XXXX, Retail cards being opened around XXXX XXXX & a bank card being opened around XXXX XXXX and all of that is false.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

There is a dismissed bankruptcy on my credit report that belongs to my father. We share the same name, however he is XXXX XXXX XXXX, and I am XXXX XXXX XXXX. I have never filed bankruptcy. I have repeatedly attempted to have this information corrected, to no avail. Equifax claims to have " verified '' the information..
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

Due to medical issues, I had to declare bankruptcy in 2014. The bankruptcy, including all medical collections, was discharged in XXXX 2014. I have worked really hard to rebuild and have been successful with everyone except Equifax. I have disputed a medical collection that they are reporting as open XXXX different times. Each time, they report back that the debt has been verified, although they have added comments stating 'Account closed at consumer 's request - Chapter XXXX bankruptcy ', and they continue to report the account as Open. This is negatively affecting my FICO score. Equifax will no longer allow me to dispute this online. It 's a really simple matter to mark the account closed and it is perplexing why Equifax ca n't seem to get it correct. Can you help?
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I contacted the Federal Bankruptcy Court once again on XXXX/XXXX/16 with respect to account ID # XXXX, ID XXXX and ID XXXX. The clerk stated that " they did not provide any information to the Consumer Reporting Agencies and the Court could not delete an inaccurate account. I then contacted Equifax and spoke with XXXX who then transferred me to the supervisor " XXXX ''. Equifax continues to document and state that the Courts have furnished the accounts to the Consumer Reporting Agencies and refuse to grant me the name and/or address of the third party vendor who provided the information to Equifax. The account are [ n ] ot mine are damaging my credit and life. Equifax refuses to provide me with the method of verification as required under 611 ( a ) ( 7 ). Equifax failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: DISCOVER BANK (NC)

Discover Bank and Discover Card have been ridiculous unfair to me as a customer causing unnecessary stress. Lying about the status of my account. Causing strains to my credit report. Not blocking continuous fraudulent activity on my account. Making no concession for issues that occur because of their lack of preparedness and the effects it has on me as a customer. I am made to suffer all the issue that arise from their lack of preparedness and the Discover Bank side inability to function as a proper bank. They can not do simple functions that banks are able to do. They do not provide information upon request. 

I have recorded conversation from Discover Credit saying what will happen to my account after the 2nd time Discover Bank will return payments. 
In the attached documents you will see how even though I am paying my DISCOVER credit card through DISCOVER bank. There is a delay. Discover credit card will send a confirmation saying they have processed the payment and everything is okay and Discover bank will show nothing. Discover bank also does not show any pending transaction ever. ACH transaction are never shown as pending even after Discover Bank has received them just suddenly appear on your account.