davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have recently leaned that some students can make retroactive payments on their Fed Loans. I contacted Fed Loan today and was told that I can not make retroactive payments from XX/XX/XXXX to XX/XX/XXXX because I was in deferent while in school. This is not true. I was never billed for the loan during their set up period. 

Fed Loan has had me in deferent or forbearance for two years and I had to file a School Related Deferment Waiver Form to come out of deferment for incorrectly being placed there while I was making payments. I was never allowed or afforded the opportunity to make retroactive payments from XX/XX/XXXX to XX/XX/XXXX and was never billed for this period. From XX/XX/XXXX to XX/XX/XXXX I made payments without being billed. 

Then my loan was transferred to XXXX then some other company, then Pheaa, then Department of Education then XXXX then Fed Loan. This all occurred from XXXX to XXXX. During this time, I was in school and making payments since XX/XX/XXXX. My loan was not payable until around XX/XX/XXXX ( as per the Direct Loan letter ) when I was sent to XXXX XXXX. 

In XXXX I asked to make payments but was told that the program was not set up and payments will be sent back to me. In XXXX a financial person on TV said to make the payments ASAP. I called XXXX XXXX  ( Fed Loan affiliate ) at the time and was told how much my payments were, but no payments were due, and no bills were sent out. I still made the payments by what Fed Loan told me over the phone. 


Please review my paperwork. I had the same XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I transferred to another XXXX XXXX XXXX. I work for the XXXX XXXX XXXX 

I would like the opportunity to make these retroactive payments from XX/XX/XXXX to XX/XX/XXXX. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (OH)

Prior to the conclusion of my leased XXXX XXXX XXXX, I contacted Chase to obtain the buyout amount to purchase the car following the lease. 

The buyout payment was due on XX/XX/XXXX. I overnighted a check via USPS on XX/XX/XXXX and it was received by Chase on XX/XX/XXXX. 

While Chase deposited my check and Chase acknowledges that they received the check on time, they have yet to mail me the title and other documentation. Instead, I receive letters in the mail stating that my payment was short ( not true ), that my payment is late ( also not true ), and threatening repossession. Chase also referred my account to collections, who reported this on my credit report. 

I call Chase once a week. The representatives acknowledge the mistake and assure me that my title is " in process '' but no progress is ever made and I call back the following week. 

Please help!
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation (GA)

Toll free number XXXX has been calling me for the past 10 days. I have told them each day that they have the wrong number. Every day I'm told that my number will be removed from their calling list, however they keep calling every day some times twice a day. I have filed an abuse complaint with their service provider and now with CFPB.
Consumer complaint received 2022-10-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (GA)

I sent a payoff check to Wellsfargo. They received it on XXXX and credited it to some other account. I have spoken to them several times with no success in getting this corrected. I have called and gone to a branch. They started on XXXX and said it would take 2 to 3 days and to day isXXXX and still getting no where with them. The loan is now 31 day late and I have gotten several calls from there collection department
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OH)

My wife tried to use my Dicks rewards points when making a purchase without me at the store. 

My wife thought my dicks rewards covered the bill, but the store clerk supposedly opened up a credit card in my name without my approval or being present. My wife did not ask to open a card. This is illegal! 

I had no idea a card was open in my name with a {$150.00} balance. I did not know I had the card for a while till I opened up a bill later from dicks. I called dicks and reported the card as fraud, asked it to be cancelled. 

After working with fraud department and and talking to my wife I figured out what happened. 

My wife is an XXXX not a XXXX XXXX XXXX XXXX  She can afford to buy anything she wants. 

Synchrony told me that they would freeze the account and may reimburse me. 

I the end, I ended up having to pay {$240.00} for a {$150.00} bill on a card I did not open or want to stop the synchrony fees. 

I could not pay the card balance while the fraud investigation went on per Synchrony, but they stuck me with fees at the end. 

A store employee should not be able to open a credit card in someone's name without their approval or being present. 

Synchrony should not assess fees and interest on a card I can't pay off in an investigation.

Synchrony should not have wasted many hours of my time in phone loops, back and forth between their teams and hang ups. 

I was ripped off.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FEDChex Recovery, LLC (TX)

the tire on a car rental i made with XXXX XXXX went out. The tire was actually low as they rented it out to me with a low tire warning. After renting the vehicle for several weeks, and finally for the last time, the tire blew out and left me stranded at a gas station. I believe an XXXX. I called XXXX and although they said they were on the way with a tow, they left me stranded for three hours in the dark. After it was past time to return the vehicle i was instructed by XXXX agents to leave the keys in the vehicle and they will have the tow driver pick it up. Coincidentally the vehicle came up missing after i caught an XXXX home. Not only did they say they would pay for my XXXX, but they lied to the police and told them that i was responsible for the missing vehicle. The company did their investigation and found no ties to me " stealing '' a vehicle that my drivers license was tied to, and I even talked to the owner of the vehicle named XXXX that night who said he would go and pick the car up. Eventually i received a notification that XXXX was taking responsibility for the missing vehicle. Months after I began receiving a string of credit collection emails holding me responsible for the missing vehicle. They have harrased me now for almost two years and this situation has me frustrated because i strained my neck when the tired blew out. The fact that they left me stranded that night and then began to accuse me of the vehicle being missing after i had purchased my own vehicle felt discriminatory.
Consumer complaint received 2021-12-07
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)

I reviewed my credit report about XX/XX/2021 XXXX  found a collection account from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX I did not recognize. I sent XXXX a letter on or about XX/XX/2021 XXXX  dispute the information asking for them XXXX  provide me physical verification including any signed contracts that these debt belongs XXXX  me XXXX that all information was correct, XXXX  date they have only sent me a generic letter stating it was verified XXXX  updated with a different dollar amount. On or about XXXX I sent another letter demanding verification XXXX  received the same response about XX/XX/2021. On XX/XX/2021 I noticed the account number changed after all the the previous letters of verifications XXXX  updates I again sent another letter asking for an explination XXXX  documentation for the accounts in question on XX/XX/2021 XXXX  1 account was updated XXXX  XXXX XXXX ( XXXX XXXX XXXX ) was deleted on or about XX/XX/2021. I reviewd my credit report again on XX/XX/2021 an noticed the XXXX collection ( XXXX XXXX XXXX ) account had been added back XXXX  my credit report without any acknowlegement from XXXX.
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2021 I received a notification with a link from what I thought was Citibank to identify myself due to fraud. I clicked the link and provided them with further information in hopes to keep myself safe. Later that day, my XXXX card stopped working which led me to call XXXX. XXXX told me that someone was trying to hack my XXXX card and so they changed my XXXX number to resolve that problem. Around the time my XXXX  was hacked I noticed that a wire transfer was made from my Citibank checking debit card of the amount XXXX, completely unauthorized. I contacted Citibank and currently working on closing my bank account and resolving this issue.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ID)

I paid my first minimum payment to Comenity Bank ( charge account opened thru XXXX   in XX/XX/XXXX ) in XX/XX/XXXX in the amount of {$25.00}. The next month I repeated the payment amount. In XXXX of XXXX I received a statement from Comenity stating that I still owed {$1.00} from XXXX and was charged a late fee and and underpayment fee. I have since paid them what I owed them in full but refused to pay their usury fees and now they have turned me over to collection in the amount of {$260.00} and have a huge hit to my credit score. 

They refuse to back off on the matter after several letters from me. 

I feel that their tactics are fraudulent ( I owed them $ XXXXyesd XXXX dollar ). 

I want the matter cleared from my credit report. 

I no longer have the account number and no information seems to be available from the debt collection service that Comenity uses either.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I went into the nearby Wells Fargo on XXXX XXXX in XXXX to get a cashier 's check to buy a car. The amount of the check was {$52000.00}. The car was located in XXXX XXXX and I flew up there ( one way ticket ) on XX/XX/XXXX. When I arrived the car dealer told me that they couldn't accept the check because my check wasn't signed by Wells Fargo. I spent 5 hours on the phone that day with customer service at Wells Fargo and they told me that the choices I had were XXXX XXXX XXXX hours to the nearest branch ( XXXX ) or fly home and get my local branch to sign it. I elevated my call to a complaint department. I also spent 2 hours calling the XXXX XXXX Wells Fargo branch and nobody answered. It was because they were short staffed. So I was left in XXXX XXXX, with no place to stay, no car and no way to address the problem that Wells Fargo caused by not signing the check. I got a hotel room in the nearest town ( XXXXXXXX XXXX ) and in the evening I called my XXXX banker and they prepared to wire the money to the car dealer the next day using a margin loan. The cost for the wire and margin interest was {$35.00} and {$230.00}. The wire finally hit the dealer account on XX/XX/XXXX and I left the dealer on XX/XX/XXXX around XXXX XXXX. I drove as far as I could and ended up staying in XXXXXXXX XXXX so I could get some sleep and finish my drive the next day. I went into the Wells Fargo branch as soon as I could ( the following Tuesday morning ) and I gave them back the cashier 's check and they credited my account. I then transferred the money from my Wells Fargo account to my XXXX account to repay the margin loan. The process took a few days and completed on XX/XX/XXXX and the amount that was transferred back to XXXX was {$54000.00} to cover the wire transfer fees and I since I didn't know what my final interest amount would be I covered that in my XXXX account separately rather than my Wells Fargo account. I filed a request with the branch manager ( XXXX XXXX XXXX at the XXXX XXXX Wells Fargo to be reimbursed for all of my expenses I took on to remedy the problem they created by not signing my cashier 's check. Simultaneously I received an email from the Wells Fargo resolution team from XXXX XXXX ( Phone XXXXXXXX XXXX XXXXXXXX ) and her contact info she sent me was incorrect. I never heard back from XXXX or from XXXX so I contacted XXXX today and resubmitted my total expenses to be reimbursed for their mistake and informed her that XXXX told me he would submit the request and that it was internal decision on whether it would be his branch reimbursing me or a different department but that either way I would be reimbursed. Since it has been 3 weeks since this happened and over 2 weeks since I requested being reimbursed I am submitting my complaint here because it appears nobody at Wells Fargo is owning this problem.
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CO)

I have arranged for a post COVID refinancing agreement with Arvest Mortgage. They mis applied a payment ( marked it as I double paid one month instead of paying my next months payment earlier ). For the last 39 days their contact center is regularly unavailable. It will okay a recording telling you they are closed and to call back during regular business hours. However... .these messages occur at XXXX am, not XXXX pm CT as they mention. I have called 9 times today as I still don't have the paperwork to go secure my new agreement ( despite that I have made my first XXXX payments during the trial period as agreed upon ... .before they would send me my final agreement to sign ). I can't get a hold of anyone at Arvest Central Mortgage. The system does one of three things XXXX ) tells me it is afterhours when it is. It, XXXX ) hangs up on me while I am waiting, XXXX ) sends me to an empty voice mail box that tells me the box is full and I can't leave a message. This applies to ALL options from the general customer service numbers AS WELL AS when I. All the direct extension I've been told to contact ( on XX/XX/XXXX I called and complained about the same challenges ... .they told me I was supposed to request Ext XXXX ). I have never been connected when I dial that extension. In fact I always am hung up on when I dial it I FEAR THEY DONT WANT ME TO SUCCEED with my new post COVID agreement. I FEAR THEY ARE DELIBERATELY avoiding me to prevent me from securing the final terms of my agreement and they they want the high value of my home.
Consumer complaint received 2022-07-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA CREDIT FKA SIMPL XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2021-08-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp (TN)

I went to www.lendingclub.com for a consumer credit transaction.

Lending club denied my credit application & sent an adverse action.

Denying my application & sending an adverse action is considered DISCRIMINATION against me the Consumer.

Me the consumer & natural person was excising his rights under Title 15 Chapter 41 when LENDING CLUB was DISCRIMINATING.

LENDING CLUB is also committed fraud by denying my credit application for the extension of credit.

This company violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor.

Pursuant to 15 USC 1602 ( f ) credit means the right granted.

15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card.

15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card.

EXTENDING CREDIT IS MY RIGHT UNDER TITLE 15 CHAPTER 41.

LENDING CLUB showed discrimination because I was exercising my rights under Title 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION.

LENDING CLUB Failed To Comply With Title 15 U.S. Code 1691a ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Title 15 U.S. Code 1691e ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.

Title 15 U.S. Code 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection.

LENDING CLUB denied my credit application thats an UNAUTHORIZED ACCES DEVICE & UNAUTHORIZED CREDIT CARD US Pursuant To Title 18 U.S.C. 1029 ( e ) ( 3 ) & consider a CRIME Pursuant To Title 18 U.S. Code 1029
Consumer complaint received 2020-05-12
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX {$830.00} XXXX   XXXX {$300.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX {$1900.00}
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.