davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (RI)

I was told that my loans were in the Public Service Loan Forgiveness program. I was told by an agent named XXXX XXXX at Great Lakes on XX/XX/2011 that " If you were quoted a standard payment plan for 30 years, I can use it and after 10 years the balance is forgiven ''. This was wrong information. I paid {$760.00} for 4 years. My account was then switched to XXXX and I found out that my payments were not considered part of the PSLF program and that the loans were ever qualified for it. I then had my loans switched to XXXX XXXX and am now in the correct payment and program. I have asked to be credited the time paid towards by 120 payments over 10 years but have not been able to do so. Great lakes gave intentionally gave me bad information and is not held accountable. I should be done with 6 years of payments but now still have 8 more to go.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

I filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with Equifax and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I received my Pay Pal rewards MC through Synchrony earlier this year, and have experienced a multitude of issues when 1 ) trying to obtain my rewards and 2 ) making payments. The foundation of my complaint is that customers are passed back and forth between Synchrony and Pay Pal with neither of them trying to solve the problems. I call Syncrhony and they tell me to call Pay Pal, I then call Pay Pal and they transfer me to Synchrony. In the past when I have to redeem my rewards, this back and forth has happened five times during one morning of trying to resolve this. This recent complaint deals with a text I received this morning about my account about a Fraud Alert. Not realizing that I would receive a fraud alert about a payment on my account, I responded that I did not recognize the transaction. I am in the midst of being afflicted by a very bad case of the flu, so perhaps if I would have gotten out of bed right away to verify the exact payment amount I scheduled a couple of weeks ago I would have been able to respond that I did recognize the transition. However, why in the world would I even receive a Fraud Alert when  someone is trying to PAY not charge to my card? That does not make any sense. When I realized what happened, I tried to call the Pay Pal number, but they don't even open until XXXX XXXXCPT, I tried to call Synchrony since that is the company I am paying ( I guess ) and once again, they could not help me and sent me to Pay Pal. This account is a nightmare. Why are these companies not required to address these issues without sending customers back and forth?
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MI)

In XX/XX/XXXX I received notification from XXXX that my Income-Based Reduction payment plan was expiring. When I attempted in XX/XX/XXXX to re-apply I was denied an IBR plan and the reason stated was that I no longer qualified because the loan had to be paid off. I was told that I had 10 years to pay off the loan and that I'd actually been given 17 years - thus, I'd been " paying on the loan too long. '' The new monthly payment amount was set at over {$70.00} a month, which is on top of the {$250.00} a month payment that I make to XXXX for the bulk of my remaining student loan debt. On XX/XX/XXXX I again requested some repayment option that would reduce my monthly payment. I informed XXXX at that time that my spouse had become unemployed and I was unable to make the monthly payment of $ 70+ a month. Again I was told I had " no other options '' but to make that payment and pay off the loan in full. In the process of that call, I requested to be placed on a forebearance until my husband could reestablish employment. XXXX says ( on XX/XX/XXXX ) that the call was disconnected in the process ( I was told the forebearance was in place during that call before it became disconnected ). I received another letter the following month saying my loan was past due, so I called Nelnet again on XX/XX/XXXX to request a forebearance until my husband could reestablish employment and was granted two months - I was told my next payment due would be XX/XX/XXXX. I received a letter this week, dated XX/XX/XXXX, that stated that my loan was past due. Upon calling Nelnet today ( XX/XX/XXXX ), I learned that a wrong forebearance code had been placed on my account which allowed for a " reduced forebearance payment '' of {$71.00}. I called to dispute the fact that I had a forebearance, and also stated that I was told in XXXX that my forebearance could be retroactive to when I had initially requested it in XX/XX/XXXX. Today, I was told that no retroactive process could be put in place for the XXXX payment but could be applied to the XXXX payment. When trying to dispute reporting of late/past due payments the customer service representative informed me that they were unable to dispute EITHER month 's negative reporting to the credit bureaus. No reason was given. To date, Nelnet has refused to offer me reasonable repayment options for the loan, which they bought from another servicer XXXX years ago, and have now demanded payment must be completed on. My husband and I are unable to make that monthly loan payment in addition to the monthly loan payment that we make the other servicer of my student loans and the monthly payment we make for his student loans as well. Nelnet has given me no opportunities to rectify my account, and in the process, is responsible for damaging my credit due to their errors, which they will not correct.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (PA)

My complaint is about a Chase representative who lied to me and provided me with false contact information. 

I previously filed a separate complaint against Chase because I was unable to open an account online, despite their advertising that one could open an account online. ( complaint ID XXXX ) This complaint is because on XX/XX/XXXX I received a voicemail response from a Chase rep " Greetings, this message is for XXXX XXXX. And this is XXXX with Chase Bank executive office. This is just an acknowledgement call to inform you that we have received your concerns from the cfpb, and we will be responding to you and to the cfpb by the due date in the event that you have any questions for me. You can reach me at XXXX XXXX. My extension is XXXX, and my hours are from XXXX XXXX  To XXXX XXXX   Central Standard Time Monday through Friday. Thank you and have a good day. '' I called that number extension XXXX, and asked to speak with XXXX. The man who answered said that there are several XXXX who work in the executive office ( yeah, right ) and asked me for his last name, which I didn't know. He also said that the extension was incorrect, as their extensions are 7 digits long ( yeah, right ). He claimed that he was unable to find my complaint and therefore was unable to help me.
Consumer complaint received 2018-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (IL)

On XX/XX/2018 my mother was contacted by Sun Loans as they were trying to contact me. Sun Loans asked her if she would be able to get a message to me. She asked what this is regarding. Sun Loans told my mother that I was past due on my payments. My mother asked what the balance is on the loan. She was told {$240.00}. My mother began asking questions about the loan and the balance due. She stated that she knew the company had garnished my wages and she didn't believe the balance should be that high. She thought it should be down around {$100.00}. She was told that the account had continued to accrue fees and late charges after the garnishment was stopped due to me no longer being employed with the employer. She was told my account is more than 60 days past due and in danger of legal action. My mother is not on the loan and none of the particulars of my situation should have been discussed with my mother. She should not have been given my balance or my credit information. My mother did end up paying off the loan during the call. She asked for the confirmation letter to be mailed to her as she made the payment. Sun Loans refused to mail her the letter even though she made the payment. They asked her to relay to me to give them a call to update my address so they could mail the necessary documents, payoff and payment confirmation, to me. My mother was never asked to verify her identity or my identity during the call. My private information was released without questions. When she asked them why they would release my private information and how did they even know who they were speaking with, XXXX, the manager with  Sun Loans in XXXX Illinois, said they have access to public information and knew they were talking to my mother. She told them they may know they called my mother 's number but they have no way of knowing who they were speaking with as they asked no questions about me in order to verify her identity.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I recently had a card go to a charge off. I had been very diligent at keeping the bill below 180 days. I called Capitol One to set up my XXXX payment and was told it was due XX/XX/XXXX which the agent set up the payment for me. Upon logging in to set up my XXXX payment, I found the account had been charged off. I called and was told that they do not post or run payments on the XX/XX/XXXX ( XXXX XXXX ) I explained that was set up by their CSR. I was put on hold while they researched my claim. The lady came back on the line to tell me I was correct in all that I had stated that it was not my fault that the debt was charged off. The error was made on their end when the CSR set up my payment on a day that is a US Holiday and not worked. I was told that they would immediately be removing the charge off along with any history of this card from my account and from my Credit report. I spoke to XXXX ( spelling? ) and her agent # XXXX. She assured me this would no longer be in my credit history. I repeated to her my understanding of what she had told me, she said correct and I had the agent then repeat herself again. She also said I would receive such correspondence in the mail, which I did. ( letter is attached ) Now 2 weeks after the first letter, I have received a second letter from Capitol One now stating that they have investigated my claim of a dispute and have found that their information is correct and the late status and charge off will remain on my credit report. 

I take issue with Capital One because : ( 1 ) The creditor failed to inform me that the payment would not be processed in a timely manner due to the holidays ; and ( 2 ) The creditor acknowledged their mistake and made an agreement by phone and in writing, to remove the charge-off and account history.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

On or about XX/XX/2019 I mailed a request to Equifax to put a freeze on my mom 's account. My mom has XXXX XXXX XXXX, and I am her financial power of attorney. 

Per Equifax 's website, I submitted their form Incapacitated Adult Freeze Request Form, as well as a copy of my driver 's license, the POA for mom, her birth certificate, and her social security card, and a letter with my request. I used the address designated on their form ( XXXX XXXX, XXXX, GA XXXX ). I received the postcard confirming their receipt of the documents on XX/XX/XXXX, signed by XXXX XXXX. 

On XX/XX/2019, at approximately XXXX XXXX, I called Equifax to find out the status of the request. I spoke to XXXX who couldn't find the documents in her system. She told me I needed to resend them, that I had used the wrong address. I disputed this, given the postcard. She transferred me to her supervisor, XXXX, who also checked and did not find the forms and suggested I'd sent illegible forms. She said she'd escalate the issue because I was concerned about possible breach of my and my mother 's personally identifiable information. She also said she'd forward my concerns to the Mailing Department so they could handle it. I asked what happens next. She said she'd forward the information for proper handling. I asked for a point of contact to follow up because at this point documents with our PII were missing and I didn't have the credit freeze in place. She said I'd need to talk to her supervisor. She transferred me to XXXX in Consumer Affairs. XXXX sent me a secure link so that I could upload the documents and she could process the freeze. She did this, I uploaded them, and received the freeze notice in the mail dated XX/XX/2019. XXXX also said she'd send my concerns regarding the lost documents and potential breach of our PII to her immediate manager, who would give me a call and let me know what Equifax would do about our lost documents. Our call concluded at approximately XXXX XXXX. It is now XX/XX/XXXX. I have not received a call back from XXXX 's immediate manager. 

Throughout the call on XX/XX/XXXX, XXXX was the only Equifax representative I spoke with who displayed any level of concern that an Equifax employee, XXXX XXXX, acknowledged receipt of my and my mom 's documents with PII but then did not upload them to the system. The casual attitude and lack of responsibility Equifax displayed that day, and through its lack of follow up since, regarding this loss of our information, once it was on their XXXX site, is extremely troubling.
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC (ND)

This company, who identified themselves as Forward Movement Recovery, has been calling me dozens of times per day for an alleged debt that is at a minimum of 12 years old, for a pay day loan that I do not believe I ever took out. It is currently XXXX and I have received 3 calls so  far today. And now my dad says that he is getting repeated calls from this company every day also. I am XXXX years old. I just talked to 2 different people from this company, one that hung up on, and one that was so rude that I gave him a piece of my mind.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America - XXXX XXXX XXXX XXXX XXXX TX XXXX Regarding account XXXX This company is continuing to report negative credit to XXXX for this account which is more than 7 years old. We have requested that they remove this old account from my credit reporting but they  have refused.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (UT)

CBE Group is reporting debts on my credit file that need to be removed. Any medical debt I had has been resolved with the hospital itself. I have asked multiple times for validation of the debt and have received nothing from them. They are in violation under the FCRA and the FDCPA.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I received an email saying, Thank You for your payment of {$1400.00} for acct # XXXX. ( this is not my acct # ) I immediately logged into my acct # XXXX, and changed my password and deleted the pending payment from my bank acct. I kept an eye on both accts to make sure it did not go thru. then I get an email saying my new card has shipped, and I was charged {$16.00} for it. then I noticed my account has been " restricted ''. I then called Capital One Customer Service she was of no help, she just kept telling me I need to call their fraud dept. and she gave me another number to call for their fraud department. They too, were of no help. he refused to tell me anything except that there is some fraud activity and they are sending me a new card. I said I have the right to know what is going on and I should not be charged for a new card. and he just kept saying there is fraudulent activity on my acct. to this day, XX/XX/XXXX, I still do not have any new card and I am still making online payments but it is to acct # XXXX, not the card I have in my wallet # XXXX. I am asking for help in this matter. I am making my payments to an account that I do not have a card for. they changed my account # without my permission. I don't know how to fix this. I also need a credit of {$16.00} to my acct and remove the restriction from it with an explanation of what kind of fraud activity they found.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

Since my initial complaint ( Complaint ID XXXX ), the bank has since revoked provisional credit from another dispute and is now stating that I am responsible for a total of {$1100.00}. RE : Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX On XX/XX/2021, I attempted to make a payment of {$140.00} to Afterpay using my Citi credit card. I received a notice from both Afterpay and Citi that my payment was declined. As a result, I used another credit card to make the payment. On XX/XX/2021, I saw that duplicate debits ( four ) of {$280.00} ( double the amount of my payment ) were posted to my Citi account. However, my Citi credit card was not used to make the payment and my Afterpay account does not reflect any payment using my Citi card on XX/XX/2021. My Afterpay account has never exceeded {$560.00}. There seems to have been some type of glitch in Citi 's system and I am not responsible for {$1100.00}. I provided Citi copies of my Afterpay receipt, electronic payment log, and payment schedule proving that my Citi card was not used to make the payment on XX/XX/2021. The evidence was sent to XXXX on XX/XX/2021 and Citibank Customer Service XXXX  XXXX  XXXX, XXXX XXXX SD XXXX via certified mail on XX/XX/2021.
Consumer complaint received 2018-02-22
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. (MA)

Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, XXXX XXXX XXXX XXXX   started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The XXXX Preservation Departement reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting XXXX delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the AGO, City Hall Mayor 's office, and my Attorney.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (CT)

After not getting anywhere and becoming very stressed out with my business dealings through a company by the name of XXXX XXXX because the venture I had invested in was not going the way they promised. 

So, after many persistent calls I decided to listen to XXXX XXXX at XXXX, she demonstrated to me what their website creation could do for my business, What they showed me was not only more sophisticated and user friendly but nicer looking than mine. They said all the right things to get me to pay them to build me a better website and promised they were on the up and up and I would make money in 2-4 weeks and help put me in the right track to recover what I had lost with the other companies. 

Now 3 months later, I still have no working website and of course no money. I have seriously been taken advantage of and lied to by yet again by another internet online fraud. 

I would like your assistance in getting my money refunded. 

Thank you.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.